we have over 11,000 trained assistors in new york state. people want to meet in person with someone they know, someone they trust in the community. our assistors speak over 38 languages, so language is important. we try to put our materials out in 22 languages and just be in the community, convince people this is important. >> make it clear what's at stake. and you could take it from either perspective -- what you have to gain, or what you have to lose. walk me through it. walk me through the sales pitch. >> sure. so, i think, in new york, insurance used to be unaffordable and that was the number-one reason people weren't signing up. there are other reasons, as dennis walked through, but that has really changed in new york -- nationally and in new york. insurance-coverage premiums are more than 50% what they were before we opened, and we have federal tax credits, to lower the cost, and we've launched a new plan in new york this year, the essential plan. premiums are either $20 a month or nothing -- comprehensive health-insurance benefits, v