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improvement to do a great job and i hope it will take it up and i hope the same attention and focus to the premiumshe pharma companies and with that i yield back. >> thank you mr. chairman we have so many discussions like this, that was like a big something to hold up. want to talk about this, and has nothing to do with pharma and the happens has everything to do with a system that is broken with no transparency, no competition, barriers and by the way the consumer who does not have the tools to really measure with the best value is. this is the case in california that impacted a sophisticated self-insured plan and had a psychiatric underpinning to it much how they can never be $4 million, that is with the company paid for that case. the self-insured company that's going to be a lot more sophisticated in any individual would be sing of the insurance company, about 2.5 million what the company paid. in another of the plan ppa, at about $700,000. the provider, that actually provided the service, and in the words to affect the cure other remedy, got $875,000. their ensuing and ensuing the insurance co

focus on ukraine's air defense needs. so that's key again. we have the carriers for continuing to aid his nation's effort to drive russia off, few premium lands. we do want to and these were, we want peace. we want to save our people testable, our country. and it is puts in who doesn't want to piece. and he's a disease with territorial congress. she wants our see this or the ruins that's remain of them. and that is why we need stress. we need to force russia to see this. we need to make rush. i see this and even rush the soldier. think about what they need, peace or puts in, and it is realistic to push them to choose to be as they don't know if you're a beta roman gone, franco is following the summit. i promised i notice as well. the few points that i'd like to mention from his speech at the beginning um, she thinks of course, the all the pond countries, especially the united states and in germany for delivering weapons to you can continue to do so for us. so yeah, but she also said that the speed of those rivers that was promised to ukraine just a few months ago is not sufficient. she said, for example, speaking about the air defense systems

premium has come down a lot. we think over time, it is difficult. over time, there could be pressure there is again. >> very interesting. let me shift focusnd look at the uk outlook what we are looking at with the uk economy and we are expecting the budget on the 30th of october. what is theo outlook here? >> we see the gdp print and it is sluggish growth all eyes are on the budget and what happens fiscally, but also what happens with regard to the eu, markets got optimistic, i think, on the new administration we saw this also with the strengthening of the pound and some movement with regards to europe we know the red lines. we feel there is hope that some could get close and that would help trade and services, et cetera, and that could give a boost to the uk growth we are remaining cautious for now, but it will take time in the medium term, there is a fear of higher gilts to finance the financing needs. >> rhow are you looking at the u budget as the next fiscal event here are you concerned this is going to lead to more borrowing? >> whe think that is already in the cards that we will have more borrowing than we initially thought. it is w

raise premiums, to an unaffordable rate if we in the united states had to pay the prices that novo nordisk wants. >> affordability, accessibility, to healthcare, this has been a huge focusrd from donald trump at the debate, saying he saved obamacare. here's what he said. >> so, just a yes or no, you still do not have a plan? >> i have concepts of a plan. i'm not president right now. but if we come up with something, i would only change it if we come up with something that is better and less expensive. and there are concepts and options we have to do that and you'll be hearing about it in the not too distant future. >> so those comments in addition to saying he saved obamacare, what is your reaction to what he is saying? >> it's really quite amazing, ana. he has been in three political campaigns, he has been president for four years, we are in the midst of a very serious healthcare crisis, we spent twice as much per capita on healthcare as any other nation, 85 million americans uninsured -- underinsured, life expectancy is lower than many other countries. after all that time, he's working on a concept for a plan. and obviously he did not save the affordable care act, he

certainly to try to keep the premiums in line, and again, give them everything and all the focus and especially post-pandemic on supporting families try to bring visibility how people can protect themselves up front before those instances may occur. they are low probability instances during active employment but they do happen and are when they happen to you, the hope is you are protected. >> thank you. any other questions or comments? >> i have quick question. thank you. you might have mentioned this and if you did i'm sorry if i missed it. what percent take advantage of the supplemental? >> i can speak for supplemental life insurance, it ranged 6 to 8 percent. during the time working with sfhss, other benefits-i dont know about short-term disability program so not sure how many individuals are selecting that, but somewhere in that 6 to 8 percent raisk. range. we love to see that get higher. >> great. thank you. >> any other questions? comments? alright. well, thank you. so, next steps with respect to this rfp-- will you be coming back to our board with additional information and ti