michael visconti, management healthcare system.s is that we get into a much more routine process so every number of years, on average 3-5, we get through the benefits and that's a lot more work for us and not exciting and we do the same process every time and highly transparent process and the same thing here for the 2022 plan year. so again, we'll start off with these expected outcomes and i preface these with my previous presentation to the board and the real highlight here, the material impacts this city. as we discussed and presented to the board of supervisors and this board, the greatest material impact to our budget as the city when it comes to our budget here that 89% of the cost of the benefits to retirees is on the city and this is discussed in a later presentation today. one of the things brought up here by both the members of the public and our team is the need for comparable or improved provider network. we talked about this and it will be presented to you later by mike clark on any willing provider and what we have cu