dr. payton. members of the commission, supervisor ferrel. what i would like to do today is give you an update since i was last here about a year ago. first we'll talk about act ifs and then move to early retirees. if you look at the graph i think it's quite visually noticeable that there is a downward trend. what you will notice is that the active rate has been reduced 20 percent. the active membership should they trend continue is projected to be less than 100 members by 2015. of those 700 members 70 are heche members. just to put in perspectives with those numbers. with the declining trend you are seeing an increase in age. what i will notice is that the city plan is a ppo model, a preferred provider organization which is a health maintenance organization. but even given that difference you will notice there is an almost that the cost on a member per month basis is twice blue shield and even more on the part of kaiser. and you will also notice that if you compare the two groups that you will find that the city plans on an annual basis it's