aon hewitt. >> all right. you have before you standard of presentation of how the year's experience in 2014 whether you generated a surplus or deficit and whether or not based on policy the three year amortization stabilization period do we need to add or subtract money to what we applied to the rates? and to step back for a second you have what i think is the most responsible policy of any public sector entity that i have worked for and on the self funded programs if we generate surplus and the premiums were greater than the expenses and take that amount of money and give it back to the people from that plan over which it's generated over three years. there is a gap of one year so when we analyze where we're on the surplus or deficit position with united care, the city flan and look at 2014 to apply to 2016 rates so i turn you to page two because that's the actual versus the expected. >> >> in 2014 we actually reduced the rates because we had excess money -- did i say 13? 2014 -- yes, we reduced the rates. wh