i appreciate what ciu and the unions are doing because i represent a lot of people who are not highly compensated. i appreciate what hss is doing and these board members to try to make things transparent. i want you to know i work with a lot of insurance companies and a few years ago when my clients were having difficulties a lot of us brokers met with kaiser. they helped us with a lot of carriers that were increasing their individual products for individual people at 28 percent, kaiser listened and made it a lot more competitive for a lot of our members to join. i currently insure about 2000 individuals, represent 1200 companies. just go on line and pull it up and you'll see what trend is. 6.3 to 7 percent. and kaiser is really doing a great job to retain your rates and keep your rates competitive, but i know one thing. they have learned from this experience, and i know for a fact that given the opportunity, kaiser will continue to work with you and try to get to the point where you guys need them to be at. so i urge you to renew this contract. >> thank you very much. next speaker pl

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