bob fagan is a city manager in state of iowa. he is somebody ho has had health insurance for many years but his health coverage has treated him in a way where it was just paying for reimbursement. not looking at the whole person, doctor by doctor, problem by problem. bob fagan went to his doctor to get a health risk assessment. the city he was working for in northwest iowa was requiring it as part of their premium package. he goes and he has a test done and his doc says your blood level is a little off. so we're going to do some more tests. well, his kidneys were functioning at 1/3 of their capacity. he is on medication for type 2 diabetes. he is on medication for heart problems. he is on medication for cholesterol. his kidneys, what killed his father, were functioning at 1/3 of their capacity. the very next day, he went home and he started walking. around the same time, we were instituting a project in the state of iowa called the healthiest state initiative. we were -- we started looking at the problem, well, how do we make iow