for dan durham. first is, i wonder if you're as optimistic about your panelists -- [ inaudible ] either five years down the road. and secondly -- [ inaudible ] [ inaudible question ] >> excellent questions. i remain cautiously optimistic that, yes, this will work out the kinks with the enrollment process. it will become easier and automated. it may take a while, but that will certainly help individuals with the enrollment. as marilyn mentioned, the demand is there. we think it's critical to get these young and healthy in the door. again, as marilyn mentioned, they often, particularly the young, wait until the last minute. so we might see an incredible influx at the end of march on the enrollment side which will certainly help and signal to the plans that the risk pool is broader and stable when they go to put forward their 2015 rate. so, you know, it's difficult at this point in time given the troubleshooting that we've been through, but we'll continue to -- >> although the strange thing, or at least

. >> dan, what is your advice to the motorists who are stuck in this massive traffic jam in the raleigh, durhamould they stay in their cars and continue trying to get home, or is it a better bet as you see some of them have already done, to abandon their cars on the side of the road and hope to seek she felter nearby? >> well, it's hard to give blanket advice to anybody. if it appearings they're going to be there for hours and there's someplace nearby you can get shelter, that appears to be safe, i would certainly encourage people to do that. in general, though, i feel like the traffic will break loose at some point in time. unfortunately the conditions are worsening as the snow has turned to sleet right now and it's certainly not getting any better and probably will not be getting any better for a long time. so it is a very dangerous situation out there. we certainly do not encourage people to take risks. there are -- many public buildings, firestations, other public build rgs open. and if you do need help, those are the places to go. >> i assume the advice is do not get on the road right now.