so dr. dodd. >> so you will recall at the march meeting we included testimony that we provided to cms about reductions in egwp. those reductions were not mraid -- made to all plans, they were made specifically to the medicare advantage plan. but there were plans that didn't be have those same egwp reductions. and i think we can anticipate that continuing to decrease. i think one of the things about the manufacturing discount which requires us to understand how the medicare drug benefit is set up for people who aren't lucky enough to have an employer-based benefit is you pay the first, the initial phase. then there's the doughnut hole. remember in 1989 -- then there's the doughnut hole. then once you hit that -- cms pays the initial phase, then once you hit that level you go into the doughnut hole and you have to pay. once you hit the catastrophic level then they pay for everything and those claims that we're talking about are claims that exceed the reinsurance rate that cms carry, you know, the m