, one of theey things i wanted to start with here is the uninsured rate, from 2008 22014, of americans when it comes to health insurance. 14% to 10%. it does not seem very significant. caller: to the contrary -- guest: to the contrary, it is a huge significance. the biggest drop we have seen year-over-year. there is probably a pretty big reason, the affordable care act. like this is the first really large instance that we are seeing now year-over-year of the obamacare health care law getting coverage to people who did not have it, which was the design of the law. there are a lot of other things about the law that are controversial, but in this particular instance, is it improving expanding health care coverage for americans who did