jobs, and then cobra ran out, where colbern was not subset get -- or cobra was not subsidized, and you had someone at home who was sick or a child that got sick, you would suddenly say, now i see the need. part of what we have to do is always say to ourselves there, but for the grace of god go i.. that is point number two. point number two -- 3, the way that insurance companies have been a target -- arguing -- operating, even if you have insurance, you did not know what you have. if you are not lucky enough to work for a big company that is a big pool, essentially it is almost self-insured, which is happening is you are going out on the marketplace. you may be my -- you may be buying insurance. you think you're covered. when you get sick, they decide to drop the insurance, right when you need it, or they try to find what they consider to be a pre-existing condition that would justify them cancelling your policy, or there is some fine print in there where you have a lifetime limit and it turns out you thought you had coverage, but it only goes up to a certain point, and then afterwards