again, no one has come up with a betternam than city plan choice not availability. i welcome creative thought. >> we will engage in creative thought. >> city plan choice not available in this presentation. item b is a win for all. lower overall plan cost. the united healthcare contracting strategy with providers and ppo network with no adverse impact whatsoever. slightly lower rates paid for services to the same providers. items c and d are plan design related. changing the prescription drug co-payments to match those in access and trio plans. increase the deductibles in the city plan. they are currently the same. i am following the pages that talk details. so from line 12 is a single page addressing each of the four recommendations. on page nine the additional cost we have captured in the right hand column. we project an additional cost to the employers of $270,000 for the active employees and $620,000 for early retirees. we updated from the april presentation now that we have created the rate cards and done the actual calculations. the idea is lower contributions