at --allston and brings years of regulatory and legislative experience. we continue to learn information we do not know. i do not know that he served as a north dakota insurance commissioner. he is president of the national insurance of commissioners. welcome. jim, i will turn the presentation over to you now. jim o'connor. [applause] >> thank you. the affordable care act, we have heard a lot about it. on behalf of center forward, they came to us to look at six specific states as to what those impacts would be. the states are arizona, florida, illinois, new jersey, ohio, and wisconsin. each of those states presents its own type of characteristic. when we talk about change going from 2013 to 2014 is the regulatory environment of each state right now. each of the states vary somewhat. take new jersey. it has regulations that are different than the other five states that i mentioned. many of the reforms that are being required through the aca, the affordable care act, are in effect in states like new jersey. that is one of the reasons that we chose states li