is that haily or hallie? hallie. >> hallie grace. >> all right, hallie grace. welcome. are you enjoying washington? >> yes. >> you know one thing i can tell, you're having a great summer. you haven't been swimming, right? thanks for coming. mr. withrow, you said something during testimony about the health insurance exchanges which will be up in 2014. since i come from a state that has a lot of small businesses and i met with them on this issue many, many times, when 014, when the insurance exchanges come up, because of your -- you have -- the number of employees you have, you'll be able to then go to an exchange and you'll have more competition, have more people competing for covering you and it will be open, it will be transparent. won't that help you in terms of both your premiums and the quality in coverage? >> i really don't know, senator harkin, thank you for the question. because there's no definitive information about exchanges at this point that i can read about. i can't really comment on what the exchanges will do for me. i've done my best to try to research th