dr. hoadley points out, has been around before elsewhere. the third and the one that is the subject really of your hearing is the risk corridor program x the question -- and the question that i would ask is, well, what is the risk that this is designed to address? because it was observed that this is designed to hold down premiums. well, no, it's not really designed to hold down premiums necessarily. it's not designed to make the market balance out. it's not designed to spread the risk evenly across the market. that's what the ore two were -- other two were there for. thisthis is a profit and loss r. this this is saying that we don't know, and neither you, the insurers, what the price of this product is going to be, and we could be -- we're paying for most of it. that was significance of part d, they were paying for three-quarters of it. we and you could be wildly off the mark. so what they do is the government, which is paying three-quarters of it, in effect, has a profit and loss sharing arrangement through risk corridors with the insurers