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Those programs to go forward? they include the ipab, which some people described as is a death panel. there are a lot of people who want to get rid of those programs. it is one of those questions we'll have to wait a couple years to evaluate. jon: just so many numbers that we are not hearing. we don't know how many people paid their first premium, right? >> that's correct. we know from the industry that it is probably 80%, some think it is 90% in certain plans. it is up to insurers to to out and chase down the people make sure they know they can't use the coverage until they paid their first b...