and again as i talked about earlier, forpolicy, 1/3 has been applied in the rating in one scenario, but we are recommending today that the board consider and we recommend approval of utilizing the entire stabilization balance and the rating for 2019 and we will talk about why in the pages that follow. so, on page eight, it outlines the two scenarios that we are going to present to you today. now, city plan and city plan choice not available. these are the plans we're talking about. city plan choice not available created through action a from may 10th. the base is applying the 1/3 that was previously approved for the rate cards preserving the remaining 2/3, which is $1,000,007 remaining for future use. scenario two is suspend the city plan stabilization policy for 2019 and apply the entire rate stabilization balance for 2019 rates and apply it proportion proportionally to active employees and early retirees. >> president scott: so, to be clear, your recommendation is number two in this presentation? >> that is correct. >> president scott: in other words, we would suspend the policy and a