let's bring elizabeth holmes out, give her a hand. josh cushner is the co founder of oscar health, who wants to do something really interesting, which is to reinvent health insurance, and how people interact with their annual physicals. i had a highly unusual conversation with the chairman of one of the largest european companies who happened to be dutch. i asked if he wrote health insurance. he said, yes, i do, but we don't make any money on it, insurance companies write it and the government subsidizes people by income based on their need. but he said, we shouldn't make any money on this, we should make all of our money out of traditional insurance lines. i thought, i wonder if there's a single solitary soul in america that would say that. interesting. this guy's got an interesting idea, let's bring out josh cushner. joe is the founder and chairman of massimo corporation. it was sort of a garage start-up that now employs more than 3,000 people worldwide and it's production of -- and distribution of a market leading measure through m