dr. sergio. small business owners have a limited amount of capital to spend on their labor pool and employees. the mandates of obamacare have pushed spending over to the benefits side and this limits the amount of day-to-day compensation increases a company can provide. this is not only demoralizing to the employees he said, but frustrating to the employer that has seen capital going into an obamacare-compliant benefits plan that is not benefiting their employees as well as it used to. so all the touting of the magnificence of this obamacare helping those have better insurance coverage without increasing their costs is a fraud. it is simply not -- it has simply not turned out to be what it was promised to be. and it doesn't benefit his employees, small business employees as well as the plans they had before, he said. so this is dr. sergio's current dilemma. he has a history of providing a strong benefits package paying up to 50% of employee and dependents insurance and now is unsure how he can ke