trust and is this better for kaiser in the long run? i will answer that question. you didn't ask that. kaiser's preference is still fully insured and run their organization that way as one big kaiser family, not we take advantage of this and do that and i want that on public record that is absolutely -- and i can say that without looking to kaiser and that's their prerogative so with that do you want me to look at it or stick with fully insured or this and there isn't a lot of difference between the two and it's up to you guys to decide what you want to do. >> commissioner scott. >>i would offer a motion that we request that the actuary look at all three models discussed recognizing there might be a slight distinction between self funded and flex but i think at this stage to have an informed