i'm helen darling president on the national business group on health and with me i have craig lykens who worked on the survey and also karen marrow who also worked on the institute of health and also been heavily in our barking group so we have two people to answer very specific questions that you have about our data. as you probably know this is a survey that we do each year in the summer and we do it then because that's the first time usually employers know and can tell us what they're actually doing for the next year. some of the later ones and early ones are sort of different benefit planning cycles so this is a key time. we also share this, obviously, with the people -- members in our organization. they're very interested in knowing what their peers are doing. according to our data. and when you think about this and you think about what we're struggling with right now with jobs and trying to create jobs or bring people back, that is a huge fixed cost that the nation bears and the employers have to deal with and we do not doubt for a minute that the health care cost crisis are co