there is evidence they need thisen colonelment, particularly now. over the last two decades. the formula that determines what percentage of profits goes to patient care vs. the administrative and marketing expenditures which senator rockefeller mentioned earlier has shifted. they spent more than 90 cents of every dollar in the early 1990's that has decreased to 81 cents in 2007. according to testimony and senator rockefeller's commerce committee earlier this year the shift translated into a difference of several billion in favor of insurance company shareholders and executives at the expense of health care providers and their patients. we need to do what we can to reverse the trend now when the number of dollars coming into these companies will be increasing substantially. we have heard conversations from the other side about how important it is to create incentives, work to help people have healthy habits. it is so important here as we are providing a whole new marketplace for the american insurance industry to be able to encourage again those healthy habits of moving back t