quite frankly, i'm going back to what nancy jin told us many years ago. she said what members said, what retirees said at that time, if you increase my monthly premium, i can budget and figure out what i have to do, but if you increase my co-pays, especially to specialists, but the regular co-pays, i don't know and i can't budget, because i don't know when i have to go see the doctor. or maybe i have to see three doctors this month and five next month. we don't know. so, dr. follansbee, we support strongly maintaining the status quo. those copayments are onerous to many members across the board. and for many of these things, i'm not sure that the benefit is justified, but the co-pay issue is significant and very difficult for a lot of our members to deal with. especially the older retirees who are on the more restricted income. we appreciate your proposal and hope that all of you vote to support dr. follansbee's motion. >> president breslin: thank you. next. >> good afternoon. i'm the director of strategic partnerships for mom's meal nourish care. i wante