they are growing -- are a facedng, younger compnay witany with this rise in premium costs with their insurance company. i had a 22% jump. -- they had a 22% jump. that was is a difficult problem for their budget. they look into the utah health exchange and found they had some options there and went to their employees and said we do not want to pay this 22% increase. we will pay something less and give you the difference of what we paid last year. how much we put into premiums we will give to you to spend plus a cash bonus. then introduce the exchange and with that competition, they now had individualize insurance programs they could pick from. about 135 different programs were available through the portal. it proved to be the win win for the business and the consumer. and keeping costs from escalating from where a company would be forced to drop. probably nobody knows more about health care that our former governor, mike levitt. he was raised in an insurance family. his father was a very successful businessman in insurance. his experience gives him and perspective and his imprison of