political writer brian boiler, former white house press secretary and founding partners of insight agency robert gibbs and syndicated columnist for "the washington post" kathleen parker. joining us from seattle washington, washington state insurance commissioner. mike, before i get to you, i want to get our folks in new york on the record here. robert, specifically, 80% isn't good enough? >> in baseball you'd be in the hall of fame twice. >> also baseball with like 50%. >> you would. i think it's a measure of improvement, a measure of how far they have had to come in order to get 80% to be a success rate. not many 10 years old, mine included, would think 80% -- >> is that a c or a b? >> there's all sorts of grading systems these days. i think, as we've talked about before, the end of the month is crucial, not as just some arbitrary day on the calendar, begins a two-week period of time from december 1st to december 15th in which people if they don't want a gap in coverage, have changing coverage or want it january 1st have to be enrolled. it's not an arbitrary date, it's a real important milestone in the enrollment period. people have to have selected a plan in order