our two guests are tom kise and emily barson. there from the united states of care. emily, take us deeper into the pursuit at the state level. seen ishat we have given the political reality in washington, it is not a likelihood they will be far-reaching policies in the short term that are bringing real relief to american families. beene have seen, we have listening over the last several months in getting the lay of the land in states across the country, and there are a number of things across party lines people are looking at, dressing affordability of premiums, how a stabilize the markets -- affordability of premiums, how to stabilize the markets. medicaid at an affordable rate. drugsst of prescription comes up and never conversation we have. we think there is more opportunity in the short term that states will take action. even things like surprise bills, you set it up for your line to be the insured and uninsured. but people who are uninsured go to the hospital and a five that they have a huge bill they did not expect -- but people who are insured go to the hospita