dr. nina ratcliff. thank you both for being with us. david, i'm going to start with you, you have about 40 employees, and you pay their health care premiums. what effect will obama care or does obama care have on you and your employees? >> well, the effect it has had already is the premiums skyrocketing in our case. so what we had to do is we could not afford the way the economy has been the last four years to absorb that cost, so you had to pass that cost along to the employee who is the life-blood of a small business. well, they couldn't afford it either, so what you ended up doing was taking at one time a really great policy and now you've knocked it down to where it's really a super high deductible policy with all these broken down deductibles. and it's a great policy if you don't get sick, if you don't have to see the doctor, if you don't have to go to the hospital, but you know, all of us who paid the bills before, god forbid we get sick now because we have to support the rest of the world. >> let me ask you this, how long have yo