hail, let me call additional speakers, jim lazarus, kim jacobs and gordon mar, ms. hail? >> i'm vera hail and today i'm here just as a restaurant goer and i'm one that objects to the as -- surcharge and glad to see that was part of the recommendations, when i buy something at macy's or amazon, i do not have to pay for their employee's health care. whenever i eat out, i only eat at mid priced or lower restaurants, so not everywhere do i eat is covered by this, but i've noticed that the places that i do are adamant about it and i talked to the server to find out what the problems are and most of them do not have it and don't know when it starts when i talked to them. there was only one place that offered to remove my surcharge and when i complained about it and wherever i go, if it's on the bill, i complain, but nowhere else except this one place has offered to remove the fee. i think that all of these restaurants are doing okay by the number of people i see on them, they're not on the verge of closing, and i don't think that health reimbursement plan is a good idea. as a f