so, hea shg, here's my question. will you today publicly and clearly commit now, regardless of what happens in washington, whatever decision that we reach on health reform, that you will design a product for all populations, regardless of claims history, but also economic status, and i would like an answer to those questions, individually, all populations, regardless of claims history an all populations regardless of economic status, would mr. hamm, let you go first and we'll go down the row. >> i'm having a little difficulty following your question, sir. if i may understand specifically what you are asking. >> regardless of what we do, whether we do an individual or a businessman date, employer mandate, maybe we don't do a mandate at all, but, you have it within your power to design a product so that all populations, regardless of claims history, could be covered. would you be willing to do that. >> in the current system, that would not be feasible. we need to have an environment where all americans are required to