for deltacare usa hmo, the rates stay the same from 24 to 25 as part of the second year of the three year rating commitment and united helt care, the rates remain the same from 24 to 25. i will skip through the rates setting reference as i presented on that. the bottom line, these are all fully insured plans and on page 8, what you'll see are the premium rates and retiree contributions for the current year. keeping in mind that the retiree dental plans are available to all sfhss retirees, even though of the school district and city college, so unlike the fact they are not getting dental they can purchase dental through sfhss retirees and you can see the rates below the retirees pay the full amount of the insured plan rates for these coverages. again, 2024 on page 9 was first of 3 year rating commitment for delta dental on their two plans. uhc rates are quoted annually. so, going to page 11, just little more information on the retiree ppo plan. the experience we saw 1 percent increase in the overall number or percentage of covered lives who had at least one dental cleaning so a favora