and there's nothing arvind can do about it. as arvind said, we've got no bargaining power. we've got no leverage. i'm insuring maybe a dozen people at my company here. it's very hard. the insurance companies give you a 30% or 40% increase and that's what you get. it's too big a bite. to small business owners like arvind and their employees, i say relief is coming. this reform will help small businesses by making it more affordable for them to offer coverage for their employees. we do this by providing tax credits for up to 50% of premiums and by creating small business health exchanges to build a larger employee pool. in new mexico the vast majority of our insured are employed, but they and their employers can't afford coverage. these new tax credits will help our small businesses provide insurance for their employees at a cost that they can afford. and with that, i would ask unanimous consent to include remaining remarks at this point in the record and yield back any time that -- to senator warner. mr. warner: thank you, senator udall. i know our time is running out. just