we're just beginning to see now the cost of the psident's delay in employer mandate, cbo out this afrnoong is that bill, was gigantic, thousands of pages, largely of gibberish,s the impmentatioation occurs peoe assess the cost, most goes io washington. you said you could have bought a conto meniucondominium there ite gone up in value. neil: they don't come on to talk about it, d you get a sense they make sense when they say young people will sign up for the system. the gerth of everyone in together amortizes cost. >> no, they do this over, over, creating a big com complex piecf legislation, saying don't worry about it, that is same going on with dodd-frank. financial services regulation bill that has grown into a huge -- that costly, when they wrote it, they said it won't cost much 992. neil: david maybe they are more cleaver than we think -- clever than we think, they wanted to push at the ti they were pushing this that became law, this idea single pay system they dropped with their hope being that would happen, what you are outlining, that is where we might go. >> >> some people may hav