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They're seeing the costs. i think they're looking at those $6,000 deductibles. in maryland it's 6350. and i think if they think about it, they're thinking wait a minute, i got to pay a monthly premium or i can pay a couple $0 hundred dollars. or i can pay $114 a month which is the cheapest plan, not 80 like the president said. and then i'd have to pay the first $6,000 out of my pocket, except for the three routine visits, which actually young people don't go to the doctor three times a year. that's just the way they are. so i don't think they're going to see value in it. even subsidized, i don...

And met their needs. this is a whole new world for them. so this is -- these are new opportunities for consumers. part of this that we're talking about is the affordable care act requires plans to cover essential benefits. i couldn't tell you how many stories i've heard of people who had a plan, who paid what they thought was a great deal, a low premium, and then the unimaginable happens. they get diagnosed with cancer, they get in a car accident, and lo and behold their plan doesn't wolf what they need. in their words my plan is worthless. we've got to go to a break. absolutely i think ann ...