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They worked in h. S. S. As far as an outsideer could see. There was an additional robocall that did cause further confusion and the noise hit the target, there was definitely confusion and reaction to the letters as well as the robo calling and dis enrollment during this period from the trio plan. At the same time, we need to recognize that sutter is a partner as well, just not in the trio product at this time and we appreciate what they provide on the access plus. We do have some lessons around communications and our letters really predominantly focused on primary care physicians and they cou...

Identifying that we did lose 800 members that theres no reason that they would be in access plus because theres no difference between what access plus and trio for them and as far as network the only difference is that they have a look contribution out of the paycheck but they elected access plus still so thats an opportunity for the future and it would have been nice to have better control over sutter it was amazing control over sutter but the city was able to perform and perhaps we should talk to them earlier next year. We need to better understand in the future the complex relationships our...

Something ups and another observation is do we do auto enrollment again for those people for which the only difference would be a lower contribution so its just a thought. Its a question that they wait and explore all kinds of autoen roll and not discovered and whether we want to engage in that process again its really i think something that prolonged discussion and i would expect there would be some necessitys to bring forward if we decide to mh370 of this that direction and some engagement of this board before we make the final decision and. I wasnt look forgeron a decision. Thank you. Does ...

Impacting their ability to be productive. And that does have a detrimental effect on their wellbeing bringing it down to an average of 67 points, our over all average is 74 so it brings it down a bit. So there are other factors like depression, problems with your supervisor that when people report those their wellbeing decreases substantially more to 53 or 54 so lots of different factors impacting productivity but they impact over all wellbeing a different level so lots going on on that slide and its very interesting. A lot of opportunities there for us. Slide 9, just dont look at it for a sec...

Of communications to the board. Ok, moving onto the next slide, this is also a, what we call a significant risk and this is basically just that we as auditors have to do more diligence to make sure that the significant risk has been mitigate. This is related to the blue claims reserve. It is a significant risk because its an estimate with judgment involved coming up with a liability for the june 30th and from our procedures, we have from a control and substantive area we have looked at their liability with involved our own kpmg action so look at the methodology and what goes in to the liabilit...