also with us, we're happy to say, is christine ferguson.she's the director of the rhode island health benefits exchange. previously, she spent close to eight years as a research professor at the george washington university school of public health and services. she also has served as commissioner of the massachusetts department of public health. as the director of the rhode island department of human services. and formerly as counsel and deputy chief of staff to the late u.s. senator jon chaffee of rhode island. so we're very happy to have christy with us as well. mili kaufman also has joined us. she's the executive corredirect the d.c. health benefit exchange authority. and served as the superintendant of insurance of the state of maine from 2008 to 2011. she also has served in key leadership positions at the national association of insurance commissioners and was formerly an associate research professor and project director at the georgetown university health policy institute. and joining us on the line by phone from california we're happ