commissioner gearhart, thank you for being here today. it's good to have someone representing iowa and representing our concerns on the panel today and i enjoyed your testimony only because it's the same thing that i have heard over and over again traveling across iowa. what's i don't enjoy about that is the fact that the stories being shared by our wonderful iowa families are stories of hardship and with the aca has done to their families. we all have very serious concerns about's how our families will be able to continue to afford the affordable care act, insurance policy and i hate to say that i agree with you that i wins and folks across the country have been placed in a situation where the they are attempting to decide, do i pay for my mortgage or do i purchase health insurance? i have heard that time and time again. it's either a mortgage payment because the insurance costs now are so much more than previously it is a karmic-- carpino? is a truck payment? is a tractor payment, i mean, there are several considerations that families a