. >> so in the insurance industry and the 10 county with the 10 county average within calpers the data is in your packet a retiree only is one a retiree plus 2 is two and retiree plus 2 or more is 3 so the ratio 2 to 203 for example, the only premium was one thousand dollars plus one independent is 3 thousand and the retiree plus or more is $3,000 each person costs one thousand dollars so a matter of long term practice h ss applies those ratios of relative it's and at some point the standards were changed to apply them only to active all of the city plan members and 64 plus members so they were specifically changed for the early retirees and kaiser and blue shield and they were changed rather than 1, 2, 3 therapy changed for blue shield is one to 1.4.4 to one .81 and kaiser is one to 1.4 to one point and there is others close to 2 and this is close to 3 that is highlighted on the chart on the next chart on the next page. >> if you look at the bottom and look at it city plan it is 1 to one .96 or round up to 3 and one to one .9 to 2.84 and rounded up and 65 plus is there it is actually