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And most important they need to have a ratio of young and healthys who pay the premiums and der reye t der rive the l amount of medical costs to subsidiz sicker. you have to have a lot of young people paying in. the older ones are going to be training the treasury of the insurance company. now, when we look at the rollout what a disaster it is, the low numbers and the fact that it looks to be unbalanced and what you talk about just a little bit earlier, all of the fixes even as unilaterally imposed on the insurers all of them are in one direction. it let s off the hook the young and the healthy allowing them to stay out of the plan. there is no employer mandate. it leaves out of these exchanges a lot of people who would be able to pay the premiums. what they are doing with every ....