you buydown that 1,000 with the rate stablization of, say, $10. that becomes 190. for retirees, it won't make any difference because it actually reduces the rates because you still have the ten county survey. the difference is the retiree subsidy, but by paying it down, it's the employer who will be paying for it. not the retiree. >> all right. i'm just saying that we need to be clear so that our actuary's clear when he comes back here, and apparently we are here. somehow, the employer is going to pick up the $1 million based on what we just approved. >> so if you think about it, claims don't change through what we've talked about with a and e. they do for b, c, and d, but they don't -- we're not impacting total health care spend with a and e. what we've done is we've suppressed the contributions that certain members will pay in 2019 for a and e relative to what they would have otherwise paid without it. >> got -- got that. and without the subsequent use of stablization funds, there is an overall increased cost to this plan, and it is left to the employer to absorb