anita charlesworth from the health foundation.you to both of you. perhaps i can ask you first of all, this is a question from william in glasgow. 0ne question from william in glasgow. one idea might be to open private insurance schemes for all workers as an extra that would see all employers pay a small amount of their monthly salary to a private insurance company so that if they needed hospital care the nhs would claim against that insurance company. i suppose in a sense that is talking about the partial privatisation really of the national health service. what would be your reaction to that? let's hear from both of you on that. anita first of all. so, the issue i guess with private insurance, particularly if it is compulsory for people of working age, is firstly that people of working age aren't big users of the nhs, it is as your introduction showed, when we get old and have complex conditions that we are high users of the service. the other thing is that it adds to the cost of employing people and essentially if it is compulso