>> good afternoon again, claire swansky, rccsf, i want to thank kaiser for the nice low rate increase. i want to point out for our early retiree members the costs for dependents are still pretty high when you are looking at $760 per month and early retirees usually go out very often on a vested or lower type of retirement. some of them go out on disability. so whether or not it's kietz kaiser or uhc or blue shield we are watching those issues with regard to early retirees and family rates because there's great concern for our early retirees to be able to afford to insure their families while they have to, in many cases, are forced to go out before they reach the age of 65. thank you. and i share your wishes for medicare, thank you. >> is there any other public comment? hering no other public comment are we ready to vote? all those in favor signify by saying aye. all those opposed? it passes unanimously. . >> item 5, action item, approve blue shield flex funded nonmedicare rates and premium contributions for actives and early retirees for 2017 plan year. >> we are essentially going thr