this is antitiering preventions in contracts and it prohibits fair competition. we have to do something about this. >> could you repeat that for everyone, so if a provider or insurance carrier chargers us more, we can't charge our members more? >> that's correct. not every contract has this prevision, but many of the biggest hospital systems in the state have antitiering preventions. they say you can't disadvantage any of my hospitals that you contracted for. they have to be on the same playing field as everybody else. >> so it falls on us as a government to pick up those costs? >> the payers have to just pay. our choices are really to pay or a shift cost to members through premium increases. >> okay. >> the catalyst for payment reform and we'll have a speaker later in hearing. she gave california a d on our legislation and our efforts to get to transparency and health care. i think she'll tell you that even the a's, i think were at 60 percent, so it's not like a d was good. i mean a d was -- i'll let her tell you more about that. what's the solution? transparenc