. >> my name is fred sanchez. president of protect our benefits. our two major functions are monitoring the retirement syst system. i am so pleased at what they have been doing lately. my biggest concern that is where the cost will escalate. we know it in the future. it is scary, that is what talks about things like universal health that is where that all i share with everybody that we see all of the consolidation makes it difficult for competition when we are smaller groups and stuff, we saw, what was it blue shield dropped out of the early retirees, or something. they didn't want anything, because the groups are getting smaller. you have a very, very difficult job. we are governed like no other county with a charter. you have to be really careful of what the charter line says and how that impacts and what you want to move forward with in the future. this is really the active organizations. i think it is important that all of the employee organizations that are active that somehow we recruit them into this process because they are the ones that ar