dr. zachary. >> thanks for having me. i'm marcus zachary from brown and toland. i'm having a disconcerting moment that i'm the gray-haired guy up here on this panel. i guess i've reached that age. so for those of you who don't know, because there's not a lot of folks from california here, brown and toland is a fully physician owned and operated independent physician association, the largest in northern california, over 1700 docs. so we are truly hospital agnostic. we have no private equity partners. we have no hospital financial partners. we have a long history of managing mostly professional risk, and a capitated environment. we, like sean was saying, are interested in taking more risk, and so with payment reform that was happening with the aca we jumped right in. we have shifted about 100,000 lives over the last three years into some form of risk sharing program. and that runs the gamut of alphabet soup, we have hmo, aco, ppo, aco, we've got a limited scheme for taking first dollar on medicare advantage patients, and then of course we're pioneer for participant