has to enrce is. e i.s.efin o is hilyompsateand wh are ch bit is i latic mplety fr the gvernnt, the ardefing wt isutopn nefi thanobo canfordn heth rorme ey're uninsuring the ensured. that is what is going on now. >> rich, out in silicon valley, the rarefied air there, they are always using compensation packages to lure employees in. but this would take some of a keyheds, person policy where you just take care of the people who vital for the future of your company. so the insurance companies themselves who are providing this key person insurance are going to require that those people get a higher level of healthcare. to put it in context that people can understand, does it make sense for the denver broncos to give peyton manning little, a higher degree of healthcare than the person who washes the uniforms? >> good point. >> he has had two neck surgeries, multimillion investment in the guy. it just makes sense. >> again, it's a different form of compensation. steve, the fact is thishows you once again how the