Everyone. >> we have seen the leading edge of that. what is striking about this, when you see companies like ups, home depot, crunching the numbers, trader joe's, saying, listen, we are can't give you the coverage, parttimer, but watch the remarks neal -- rational. trader joe said you can get a better deal on the exchanges. and here's the thing. when you start talking about employer-based plans, that is a huge deal. that strikes right at the heart of the american middle class. >> what would be the nord order? we saw with companies ex-like abm, moving retirees to the private exchanges, not what...