aon hewitt. >> good afternoon, aon hewitt, actuary. i am pleased to be in front of you to present the results of our observations as to the proposal submitted to us by sutter health plan for the potential engagement with the health services board in the city and county of san francisco and other related parties as being able to provide health benefits. they came before the board in february and asked for the ability to submit this and they have submitted it and we have reviewed it as best we can with the information provided to date. what you have before you in your packet is our observation. first of all they submitted 3 plans. the way they gave the submission was each of these plans was a comparison plan to the 3 plans presently in place with kaiser, blue shield and city planner under the uhd guidance. so there's quite a bit of information that is simply a comparison of benefits. at this point in time i don't think it's necessary for me to go through any of these comparisons to point out whether the benefit is good or bad relative to