catherine dodd. we also have the chief office of health office administration for calpers. the focus of this last set of presentations are options for action to protect payers, consumers, the public interest from the actual and potential negative impacts of increasing costs, specifically, a market consolidation. >> thank you very much, mr. chairman, members of the committee. i am grateful for this chance to talk to you, and to hillary, for making it easy for me to do. i have been listening with a great deal of interest and pleasure, realizing you have been told a great many things that i will not have to repeat. so i will focus on a very wide but singular aspect of the question of system performance and the role of view, as legislators, that will involve. there are some major issues. we just talked about some of them but it repairs being -- bears repeating. this is a market that is almost worthless as quality assurance or price protector. it is so shrouded in secrecy, and in many cases, blatant dishonesty on the part of some of the parties, that it is very difficult, if not