also hasou think pact the possibility to do that.ly, these later versions look like insurance product. with glow, we on the right portion of hospital treating fertility. pact is more about wellness and fitness and overall general health. all these things ultimately lower the cost of being healthy which is the role of insurance companies. they spread the risk so we try to lower the risk. >> do you think about it from a port folio perspective? i think that's taking it too far. we want to build glow because passionate about in fertility and that it's not covered by insurance companies. as we got smart about health insurance, we looked around for other countries trying to approach it from different ways. >> what is the size of this market? >> we started out in the consumer market and we have most -- motivated over 7 million healthy activities. the real opportunity is in the behavior change tied to health care utilization. we have looked at the before and after data of fitness users after they join pact and we see there is a 40% increase