or an h.s.a. these really have been more prominent in the health care market over the last few years with rising costs across the board and -- so these types of plans and compatible plans have been really helpful in balancing out the economic needs for both employers and employees in a variety of ways. so i'll jump right into the standards themselves, and i'd like to share with you the work group's recommendations for the standards. there are 16 standards currently, and one of them -- so this isn't a standard, per se. currently, the a.c.l. allows for any type of plan, whether it's an h.m.o., p.p.o., any metal tier level, as long as the plans meet all the standards as they're described by the minimum standards. this year, the work group would like to recommend that all gold and platinum plans for the cost sharing would be deemed automatically compliant. and we looked at this, you know, also because these are designed to provide the most generous benefits. they would really give, really, the stronge