dr. caroline conkling, primary-care physician. my late husband was head of pbgc in the clinton administration. my question is about risk adjustment, something nobody has mentioned except dr. sharfstein briefly. the way individual health-insurance market has worked is by risks election. sick people were excluded. going forward, unless this is controlled, it is possible the company with the best plan will end up with all the sick people. and that could terminate the plant very quickly. i wonder if any preparations were being made to do the risk adjustment. it is easy when you have different plans to select healthy people by something as simple as membership rejection. >> anybody like to take that? >> there are several mechanisms to allow -- mitigate risk. there are a couple the federal government is overseeing, one where the states have some options and we are going to be running that part of the program and we have some flexibility in state law to invest in state money to do a better job. it is going to be an important issue. whethe