. >> i'm trader and dan lampert with the alliance for retired americans and i just wanted to ask there's a lot of discussion on the aca that aren't working as intended at least but one piece of right now that does seem to be working more or less as intended is the 80/20 medical loss ratio. particularly for the commissioners on the stage i was wondering if any of you are anticipating changes like less vigorous enforcement and if so how you are preparing for it. >> it's somewhat interesting in the state of washington when it came to the medical loss ratio's 80/20 stipulation that 80% being for medical services and 20% for administrator costs, we had almost no payback to insurers because we were already meeting the standards. .. >> and that's day remedies. >> i have not heard anything knows only areas that has been discussed is possibly a break for world areas to let them spend a little more money on that outreach and those kinds of things with a break on that. that is the only thing we have heard with the story of the marketplace. >> but most carriers are well above 80% some are 100% so is