>> absolutely. >> "america tonight" reached out to united health care. fter a dozen exchanged e-mails and telephone calls united health care would only speak to us off the record but they did issue a statement. from the start we have reached out to the family to explain and help them understand all of the benefits available under mr. walls health plan. we continue to be available to help the family locate alternative programs. >> and this is where the injury happens in locked in syndrome. >> dr. richard harvey is an expert in locked in syndrome ric, the rehabilitation institute of chicago. in the past years he has seen only 42 cases because it's so rare. >> in your average nursing home would not even get him out of the chair much. >> harvey says early intervention is the best of course. >> we've had patients dmomg with lockedcoming inand left walkers. >> vicky, 25 years ago had the same stroke as brett. but her insurance company covered intensive treatment. >> we never had any problem with bills, and gail and brett have to fight for everything. >> they ha

"america tonight" reached out to united health care after more than a dozen exchanged e-mails and telephonecalls united health care would only speak to us off the record. but they did issue a statement. from the start we have reached out to the family to explain and help them understand all of the benefits available under mr. walls health plan. we continue to be available to help the family locate alternative programs. >> why should you have to fight? why should you have to get the media involved? why do you have to get all over their twitter and facebook page? they just rubber stamp rubber stamp, rubber stamp rubber stamp hoping you'll give up. >> now another challenge. brett's former employer is cutting off benefits for their employees. now the walls need to find health insurance. in a final irony they have decided to go with you united health care? >> is it the devil you know? >> right exactly. you look at brett and he has a long way to go but he's on the road. >> locked in and heading into an unknown future. adam may, al jazeera cincinnati. >> you can see more of adam's report at 10:00

you have the experience for the united health care plan. all that we have been talking about leads up to this and a set of preliminary rates for 2016 so i turn you to page two, and there's not a lot of people in this program. this is the active cohort of individuals covered under the uhc city plan. as you can see we're at 600 and e plus ones at 76 and we're at 33 people in the family. most of these people are in areas where there is a special stipend that allows them to not have to pay the now $400 contribution rate based on the recent contribution formula and if you look at the premium levels those controlled to blue shield and kaiser rates are very big, and so the policy has been to continue carrying this forward and at some point and time i recommend that we consider what we're going to do besides just -- at some point either do we change this? reignite the plan, close the plan? i don't know but we need to address it at this point and it's hard to rate when it's some small so that's the data there we turn over to page three. we look at t

time to honor our sponsors kaiser permanente your top webb core builders and wells fargo and united health care you rock stanley lange do have foundation and sf your grand and at&t and pg&e let's give them a great big hand hand. (clapping.) >> the heros for the year this afternoon they all have gathered here i sing it allowed and clear it's their communities that they all hold so dear my how this is is a hurray dr. diane leads the way and dr. edgar pier we see you're also gifted we thank you will have you for all you do so raise glass and give a cheer to your new hospital opening in december this year in san francisco welcome, welcome me home i'm coming home to room no more. (clapping.) >> (piano playing). >> thank you, stephanie and beach blanket bagging babylon there's a little time left from the auction in heart pleased visit ebay works table to introduce our final heros of the day please welcome janet chief executive officer northern california kaiser permanente. >> (clapping.) thank you so much wow, i wondering if that hat is available on the auction later day today, i bet a lot of people

health care options for kids. this is all part of a battle between dupont hospital for children and united health care. wmakers and hospital officials said those two groups failed to work together to come up with a plan that would have given united health care members access to the children's hospital and its services. it would also impact those on medicaid who currently do not have access to the hospital. >>> in delaware county shoppers will soon be able to have a drink in the store. state officials approved the liquor license for a full-service wegman's pub in concord township. the store near baltimore pike at route 202 is still under construction but will eventually serve beer and wine. it will be located in the brandywine mills shopping center. the wegman's is scheduled to open in september. >>> 4:47 now. pennsylvania lawmakers who are supporting a medical marijuana bill say they are confident it will soon become law. state lawmakers met yesterday to discuss the medical cannabis act. state senator leach is a co-sponsor of the bill. he believes it will pass the senate and the house. some lawmakers sa

it turns out before i got into the hospital i scheduled an interview with the ceo of united health care at their head quarters in minnesota. so once i could travel i went out there and interviewed him about the lobbying over the bill and how it could affect the industry and his thoughts on hospital consolidation and all of that good stuff. and when i was finished i took the benefits list out of jacket and i said would you mind explaining to this. i have read and read it but i cannot understand it. and he takes it to vice president of the corporate affairs who is sitting there and i can see him figure out what his next job is going to be. he is a very smart and nice guy. and looks at it and looks at it and looks up at me and says i could sit here all day and i could not tell you what that means. i have no idea why they sent it to you. and i said aren't you they? the point of this is that is definitely the most common communication to consumers in the biggest industry in what is thought to be the most vibrant, free marketing economy on the planet. explanations of benefits. we all get them

united health group humana, aetna, and cigna over the last six months. we were getting up to the run up of round two in sign up for obamacare. united health care group is up 32%. anthem is up 23%. here are the republicans who are holding a vote to tinker with the private sector where they're making double digit increases over the last six months. since the republicans are complaining so much about this maybe there would be a down tick in profit. if i'm running united health care, i want the republicans to tell me i'm not going to have my 32% increase over the last few months screwed around with because my stockholders are pretty concerned about that. that's where we are. there's no rhyme. there's no reason to what the republicans are doing. it is all anti-obama. jonathan alter you first. your reaction to this latest repeal vote that is going on this hour? >> this is all about the freshmen. they told all their radical right wing constituents they were against this and they had to show they were going to go to washington and vote on what they said they would do. what's fascinating to me about it is how it could end up someday -- not right away m

time to honor our sponsors kaiser permanente your top webb core builders and wells fargo and united health care you rock stanley lange do have foundation and sf your grand and at&t and pg&e let's give them a gre

time to honor our sponsors kaiser permanente your top webb core builders and wells fargo and united health care you rock stanley lange do have foundation and sf your grand and at&t and pg&e let's give them a great big hand hand. (clapping.) >> the heros for the year this afternoon they all have gathered here i sing it allowed and clear it's their communities that they all hold so dear my how this is is a hurray dr. diane leads the way and dr. edgar pier we see you're also gifted we thank you will have you for all you do so raise glass and give a cheer to your new hospital opening in december this year in san francisco welcome, welcome me home i'm coming home to room no more. (clapping.) >> (piano playing)

. -- 56-cents and up $156.96 and we were in 142-2013 $142 and we are behind it with united health care and by giving us the low number. that's their decision. i think it's fantastic for the members. they want $171.09 and i see nothing wrong with that number given the marketplace so i want you guys to accept this number. >> you have heard the recommendation. are there questions? is there a motion? >> motion to accept the recommendations. >> okay. >> that's it. >> that's it. >> yep. all right. madam secretary. >> item 5 discussion item. review ined but not reported ibnr status. >> aon hewitt. what you have before you is full disclosure what you have on your books for the ibnr reserves and for the self funded programs. since you take the risk you need on the balance sheet the liability. what it is if you stop the program at a given time can you pay the claims, the run ought claims that happen before that time and remitd and invoiced and then you would have to pay after that. that is a financial responsibility of any self funded program and we do these on a physical year basis to correspon

. >> reporter: united health care workers sponsored this event in san leandro helping couples like carlos martinez and lopez get the coverage their employers don't offer as part time and freelance workers. >> for me, it's been my dad has insurance since i was like 16. i'm 26 by 10 years. >> so when people can't get the care they need. that frankly becomes a population health issue. this is about californians getting healthier, staying healthier and living longer lives. >> reporter: the day drew heavy hitters rallying people to help covered california meet their goat by the deadline. before the weekend there were 3.9 million enrolled. >> health care is a basic human right and we can't forget that. >> reporter: barbara lee says the people who need health care should speak louder than those who want to see the affordable health care act repealed. >> we will have 15 to 20 million people covered. you're going to take away their health care, come on, please. those nay sayers need to get with the program. >> reporter: once jose gets with the program, he hopes it will get him better help and peac

." >> announcer: "world news now" weather brought to you by united health care.we need to talk. we do? i took the trash out. i know. and thank you so much for that. i think we should get a medicare supplement insurance plan. right now? [ male announcer ] whether you're new to medicare or not, you may know it only covers about 80% of your part b medical expenses. it's up to you to pay the difference. so think about an aarp medicare supplement insurance plan, insured by unitedhealthcare insurance company. like all standardized medicare supplement insurance plans they help cover some of what medicare doesn't pay and could really save you in out-of-pocket medical costs. call now. with a medicare supplement plan, you'll be able to stay with your doctor. oh, you know, i love that guy. mm-hmm. [ male announcer ] these types of plans let you visit any doctor or hospital that accepts medicare patients. and there are no networks. you do your push-ups today? prepare to be amazed. [ male announcer ] don't wait. call today to request your free decision guide and find the aarp

also by hillco partners, texas government affairs consultancy, and its global health care consulting business unit, hillco health, and by the alice kleberg reynolds foundation and viewers like you, thank you. >> i'm evan smith. "the washington post," previously edited the boston globe where he and his colleagues won six pulitzer prizes, journalism's highest honor. he's martin baron, this is "overheard." >> i guess we can't fire him now. >> the night that i win the emmy. >> being on the supreme court was an improbable dream. >> it's hard work and it's controversial. >> without information there is no freedom and it's journalists who provide that information. >> windows roll down, this guy says, hey, it goes to 11. [ laughter ] >> marty baron, welcome. >> thank you. >> nice to see you. >> it's been fifteen months or so, the big job at the want, grade yourself, how do you think you've done, assess your own work. >> sure, well, i'll grade ourselves as a group, not myself personally, i think the post has done a terrific job. our work, the work that we did on the n.s.a. was at the leading edge of that s

happened i had an interview scheduled a few weeks later on this part of the book with the ceo of united health careinsurance company, then at the end i reached into my pocket and took out that explanation of benefits and said i'm wondering if you can help me with this. i'm having trouble understanding it. amount billed zero amount i owe $154. what does that mean? he looked down at it he looked down at it for a while, his pr guy was getting very nervous and looked up and said i could sit here all day and couldn't decode that for you. i have no idea what it means and i don't know why they sent it to you. i said well, aren't you they? >> i think for those who are hoping that the affordable care act, obama care is going to solve this my takeaway from "america's bitter pill" the affordable care act is about who pays but not how much they pay and that has yet to be reigned in. >> exactly right. it's a good thing. the good news is many more people, millions of people now have access to health care in this country and it was a national disgrace that they didn't. that's good news. the bad news is they're go

. >> i like united health care. >> josh. >> cake.uy starbucks. >> which is in your portfolio now. >> melco. melco koun bought it. >> kkr got hit hard. this is when pe firms jump if big. i think the stock goes higher. >> that's it for us. have a great rest of the day. power starts now. >> "halftime" is over. "power lunch" and the second half of the trading day start right now. >> thank you very much. welcome to power lurching. tyler matheson here. mandy drury there. is puerto rico sinking? >> big hedge funds putting new prour the ceo of gm. >> and what it takes to get into that 1% club. we got the numbers, and it turns out that you can actually probably tell whether you are going to make it from your first few annual salary numbers. >> incredible survey coming

also by hillco partners, texas government affairs consultancy, and its global health care consulting business you unit, ho health and by the alice kleberg reynolds foundation and viewers like you. thank you. >> i'm evan smith. he's best known for playing the modern era of television, hank kingsly. his new web-only series is transparent. he's jeffrey tambor, this is overheard. >> actually there are not two sides to every issue >> i guess we can't fire him now. >> i guess we can't fire him now. the nights that i win an emmy >> being on the supreme court was an improbable dream. it's hard work and it's controversial >> without information there's no freedom and it's journalists who provide that information >> window rolls down and this guy says, hey, he goes until 11:00. >> jeffrey tambor, welcome >> my pleasure. thank you >> so nice to have you here >> thank you. i'm honored. >> i want to ask you first about transparent i'm excited about this. amazon >> the revolution is here. when we delivered the show, i remembered talking to some people and i thought the revolution was here, it's actually been here f

." >> announcer: "world news now" weather brought to you by united health care. ♪ approaching medicareligibility? you may think you can put off checking out your medicare options until you're sixty-five but now is a good time to get the ball rolling. keep in mind medicare only covers about eighty percent of part b medical costs. the rest is up to you. that's where aarp medicare supplement insurance plans insured by unitedhealthcare insurance company come in. like all standardized medicare supplement insurance plans they could help pay some of what medicare doesn't, saving you in out-of-pocket medical costs. you've learned that taking informed steps along the way really makes a difference later. that's what it means to go long™. call now and request this free [decision guide]. it's full of information on medicare and the range of aarp medicare supplement plans to choose from based on your needs and budget. all plans like these let you choose any doctor or hospital that accepts medicare patients and there are no network restrictions. unitedhealthcare insurance company has over thirty yea

texas government affairs consultancy, and its global health care consulting business unit, hillco health, and by the alice kleberg reynolds foundation. and viewers like you. thank you! >> i'm evan smith, he's a senior energy reporter for the "wall street journal" and a finalist for the pulitzer prize whose new book is the boom, how fracking ignited the u.s. energy revolution and changed the world, he's russell gold. this is "overheard." >> actually, there are not two sides to every issue. >> yeah. we can't fire him now. >> i guess we can't fire him now. >> the night that i win the emmy. >> being on the supreme court was an improbable dream. >> it's hard work and it's controversial. >> right. without information there's no freedom and it's journalists who provide that information. >> window rolls down and this guy goes, hey, it goes to 11. [ laughter ] >> russell gold, welcome. >> thank you. >> good to see you, congratulations on the book, let me ask you about publishing entry hyperbole in this title. change the world. >> the world. >> the world really, not just changed our country, but c

also by hillco partners, texas government affairs consultancy, and its global health care consulting business unitlice kleberg reynolds foundation and viewers like you, thank you. >> i'm evan smith. "the washington post," previously edited the boston globe where he and his colleagues won six pulitzer prizes, journalism's highest honor.

texas government affairs consultancy, and its global health care consulting business unit, hillco health and by the alice kleberg reynolds foundation. and viewers like you. thank you! >> i'm evan smith, he's a senior energy reporter for the "wall street journal" and a finalist for the pulitzer prize whose new book is the boom, how fracking ignited the u.s. energy revolution and changed the world, he's russell gold. this is "overheard." >> actually, there are not two sides to e

also by hillco partners, texas government affairs consultancy, and its global health care consulting business you unit, ho health and by the alice kleberg reynolds foundation and viewers like you. thank you. >> i'm evan smith. he's best known for playing the modern era of television, hank kingsly. his new web-only series is transparent. he's jeffrey tambor, this is

health care bureaucracies and demand real cost control and the american health care system. i pledge to the american people dead in the first year of the clinton administration i will present to the unitedtates congress and people a plan to provide affordable health care for all americans. [applause] opportunity for all means making our cities and streets safer. all across america i have seen people banding together to take back their streets and neighborhoods and housing projects. in a clinton administration, we will be on their side with new initiatives like community policing, boot camps for first offenders and drug treatment when will need it, not its months later. -- 6 months later. opportunity for all make -- means making the tax system there. i am not against rigid when not mind being rich myself, but i do believe rich people should pay their fair share of taxes. [applause] for 12 years while middle-class incomes went down, the republicans raised taxes on middle-class people. while income on the wealthiest as an best citizens went up, the middle class taxes went up. that is wrong and people need a break. finally, as we know in the natural state, opportunity for all messed -- mean

totally bogus claims or selling the information to foreigners who then come to the united states and get actual health care paid for by these phony cards or out there buying health equipment like oxygen generators and other things and then reselling those on the black market and getting insurance reimbursement for that all fraudulent. >> wow. what happens now? what's the next step eamon? >> reporter: one of the interesting questions here among the people who look at this black market for information is whether or not the massive amount of information from this hack that could become available on the black market is going to drive the price down following the old fashioned law of supply and demand in the black market. will those health records now be sold for a lot less than they were sold for before now so much more potentially coming to the black market? that could be unintended consequence for the people who actually did the hack if they try to sell it. >> eamon, thank you very much. eamon javers in washington. >>> the bulls were out in force today. the benchmark index now positive for the year as oil pr

>> after the first of the year we will bring forth a bill that will be able to unite republicans around specific health care issue it is. >> they've introduced 126 different ideas about how to fix obamacare, how to replace it. we're working on this having discussions among our members, with a lot of divergent views. >>> ladies and gentlemen, tonight is the night. today a group of high-ranking republicans introduced a plan and it's right behind this curtain. america, are you ready for this? here it is, nine pages. after all that time here's what they came up with. it weakens protections for patients with preexisting conditions. it slashes subsidies for middle-class families. it terminates mandatory maternity coverage. it eliminates medicaid expansion, and how will they pay for this? the times records, quote, the republicans did not provide a formal estimate of the costr cost of their proposal or the number of people who would be covered. >> and a mission to rip coverage from millions. speaker boehner, what do you have to say about this today? >> listen there's a lot of ideas out there. the key will be to boi

and risk their lives get absolutely every promise they have been made by the united states government for their health care and well-being. i'm going to be committed to that whether they're a democratic veteran, republican veteran, libertarian veteran, or a rachel maddow veteran, whatever it may be. >> do you think that bipartisan, a part of policy where being partisan doesn't smell right or feel right to anyone, could that extend to any other areas that the senate is working on as well, or is it a veteran's only climate? >> no, no, i don't think is veteran's only. certainly in terms of foreign policy and our battle with isis and terror, there is a number of areas we need to lock arms and do what is best for our country and our people. >> pretty much everyone agrees that the clay hunt bill is a start. i have been moved that his parents have been so articulate and so tireless in advocating specifically from the position of what their son went through and what he was trying to get and could not get in terms of his va care. i have also been moved by who was involved in creating the bill. what is the next step

also by hillco partners, texas government affairs consultancy and its gleebl health care consulting business unithillco health. and by the alice kleberg reynolds foundation and viewers

united health hitting new highs. health careing a new high, doing very well on the news of a deal in this group. disney raising prices to over $100 at their theme parks. take a look here at apple. above the 131 mark 131.68. new record all-time high there with a market cap, $760 billion. right now the dow is down 30. more varney coming up. the real question that needs to be asked is "what is it that we can do that is impactful?" what the cloud enables is computing to empower cancer researchers. it used to take two weeks to sequence and analyze a genome; with the microsoft cloud we can analyze 100 per day. whatever i can do to help compute a cure for cancer, that's what i'd like to do. charles: here's a question for you. are you part of new york city's middle class? well, there is actually a new online calculator that determines whether new york city mayor de blasio will consider you middle class and liz liz is here. -- liz macdonald. how did you fare? >> trying to figure this out. charles: you're super-rich. >> no, i'm not super-

. >> after the first of the year we'll bring forth a bill that will be able to unite republicans around specific health care issues. >> they have introduced 126 ideas about how to fix obamacare and how to replace obamacare. >> we are working on this. we have a lot of different views. >> so the bottom line is they've got no alternative, yet they want to repeal this law anyway despite the fact it would deny millions of americans' health coverage. >> well, that's right. and actually for the first time on the 56th vote to repeal the affordable care act, the republicans also lost three republicans on that vote precisely because they don't have an alternative. i mean listen here's the reality, 9.9 million people who now have health care hundreds of thousands of young people who can stay on their parents' health care plan eliminating the requirement that you can only get health care by not having a pre-existing condition. these are taking advantage of the affordable care act. the republicans don't have any ideas for health care. they don't have a replacement for health care. and the fact is they don't even have a

health. there was one study done on prescription opioids cost. it showed a 55 billion cost to the united states in 2007. some was work place and some were health care and some was criminal justice. the national institution of drug abuse asked what was their first a -- young people use pills as well. this is from the modern of future studies that looks at high school. kids, basically. and they're using various prescriptions, vicodin, sedatives, oxy cotton and ritalin. it's not just people on the street addicted, but it's young people taking some of these pills. and when they're asked about where they got the pills, many of them are taking their own leftover medication. so again, you are prescribing practices. we have to look at that and we are looking at that. and some of them received them from a dentist or an emergency room doctor, and other kinds of physicians. and then other diversion sources, here's that word again, when somebody who is taking it not as prescribed, and not the right person, internet, friend or relative is very high. so people share drugs. sometimes for free and sometimes bought. and then another 20% or so from drug dealers. thi

but how do you leverage now these resources to get the health care system? and the united nations has also been very, very much. i what time the united nations vegan and ebola response. we think that was very much useful. the national partnership. >> can you say a word about two issues? first is the regional context. trying to figure out how to coordinate and knit together prefecture districts on his large border areas where they're are huge vulnerabilities. as she moves towards zero the bigger regional context becomes ever more important in understanding and beginning to get a better understanding and control over that. your president has been in the lead and trying to stir action in that area. where is that leading? >> has been on the minds of the president of liberia. liberia. she is director of the technical team leading a response to give support to the rest. our healthcare workers have been mobilizing to support sierra leone so that we can get to zero. we have one of our counties neema, got 62 days without ebola. but then across the border you have a town called lola

voluntarily sacrifice their lives to get every promise they have been made from the united states government for their health carel being. i'm committed to that whether they are a democratic republican or mad chel maddow veteran. whatever it maybe. >> do you think that spirit of a mission-driven bipartisanship, a part of policy where with being partisan doesn't smell right, doesn't feel right to anybody involved in it. could that extend to other areas the senate is working on as well or is this a veterans-only climate? >> no, i don't think it is veterans only. certainly in terms of foreign policy and the battle with isis and terror. there are a number of areas that we need toe get our over partisan differences and do what is best for our country and people. >> pretty much everybody agrees the clay hunt bill is a start. i have been moved by the fact that clay hunt's parents have been so articulate and so tireless in advocating specifically from the position of what their son went through and what he was trying to get and couldn't get in terms of his v.a. care. also been moved by the fact that iraq and afghanistan

he weighs in on the current state of health care in the united states. his talk is from last weekends savanna festival in georgia. it runs just over an hour. [applause] >> thank you so much for that generous introduction. first i just want to say what a pleasure it has been for me to be here this weekend. i brought my family. my children are now actually probably connoisseurs of george g. because we were at the decatur book festival in august. but i want to say that they have given savanna a big thumbs up as have i. and i also very quickly want to acknowledge the organizers, specifically robin and linda who are so helpful in bringing us here in our wonderful host who is the paragon of southern hospitality. so when robin invited me to come here she first gave me some parameters for this talk and said talks mostly about yourself and what motivated you to get into writing and i thought, you know as a writer of the two memoirs how am i going to do that? how am i going to talk about myself? but i will do the best i can. i was in the lobby before coming here,

health care. but i've come around to thinking that united health and cigna are the way to go.o like humana. and that ladies and gentlemen, is the conclusion of the "lightning round"! [ buzzer ] >> the "lightning round" is sponsored by td ameritrade. ♪ there's confidence. then there's trusting your vehicle maintenance to ford service confidence. our expertise, technology, and high quality parts mean your peace of mind. now you can get the works, a multi-point inspection with a synthetic blend oil change tire rotation, brake inspection and more. $29.95 or less. >>> look at al achemy's run. creating longer formulations of formulation, diseases like diabetes or schizophrenia to take their medication. make no mistake that's a solid business. and it produces a nice and steady stream of royalties. in recent years alkermes has begun to develop diseases for the central nervous system like multiple sclerosis and all sorts of diseases like schizophrenia. it could be a gold mine. just yesterday we got some incredibly positive phase 1 results in the multiple sclerosis drug which sent the s

health care. the presidents and we will. millions of americans have health care all across united states of america. we put thousands and millions of people to work with an economic recovery program of $800 billion, when not one republican in the house and only three in the senate actually supported it. it was a month into the presidents presidency when we heard all about the environment are we excited, goodbye yeah let's support the first black president, and a month later known consent up for americans but democrats all across the united states of america. that is what we do. [applause] with a party of labor, with a party of labor. i mentioned on friday night at our party and today, yesterday i saw randy weingartner, recognize all labor in the house with this is morning. [applause] philadelphia is a city with the strongest lgbt protection laws and united states of america and we continue to strive to make sure that every but he understands that who you love and whose in your life is your business and there's no credit moment for me than when finally the doma law was struck on a pennsylvania. as ma

health care law. while we will see republicans united on the decision to repeal the law, they haven't come up with an alternative for health care reform since the law has been enacted in 2010. if the company is able to come up with an alternative this will be a major step for the party in the last five years since they railed against the law being enacted. >> and then the house majority leader kevin mccarthy sent out a memo outlining what we might see in the month of february. two things we're missing, won the abortion bill and then also border security, which got sidelined because of bad weather and a short work week. what is in the spill and why skip these two items? >> those two were among the bills pulled this month from two different parts of the republican party. the abortion bill that would have banned abortion after 20 weeks of pregnancy was ultimately yanked from the floor because of opposition from republican women as well a centrists who have objection to language that would require the only exceptions for rates. since the justice department estimates that nearly 70% of rates go on reported