as for farmsy, on page 12, your generic drugs and the brand drugs are lower than the database. but kaiser does have a slightly different approach than the pharmacy. so i would say the 530 is typically what we see in line for hmo plans. moving on to page 14 and 15, we did want to call out specialty pharmacy. this isn't captured the same way as other pharmacy designed provisions are on the database, so we look at how others are handling specialty prescriptions for government. will you see the page splits between 14 and 15. that most have a different specialty drug co-pay or coverage level and for national entities they typically treat specialty drugs. most treat specialty drugs the same as the non-specialty drugs. so they fall in the tier of brand formula or non-formulary. moving on to dental. we look at the dental. we look at the ppo plans on page 18 versus your delta plan which has the three tiers versus the bench marks. your plan is a little different because it does have that three tier setup. and it's slightly richer on tier 1 relatively inline with the bench marks on tier 2