. >> my name is beth carey. i work for a temporary home care agency. we provide hra's to our employees using a third party. a small percentage of our employees actually use it. what i want to say is, this issue is also about the health care of our seniors. our biggest competition -- this is not a level playing field because our biggest competition our domestic referral agencies. instead of hiring employees, they hire independent contractors. they do not pay taxes, they do not pay workers' comp, they do not pay insurance. they did not supervise their employees because they do not have any. their employees are independent contractors. that means that this is giving an incentive to people to pay independent contractors, who are not supervised, or people who advertise on craigslist, because the cost is lower. we cannot recruit this cost -- recoup this cost because that would put us at a huge competitive disadvantage. we need to figure out a way to put domestic staffing into consideration -- in this proposal. if there is a way to close that loophole -- beca