>> herbert weiner. i am concerned about the gradual erosion of the city plan. i am concerned about being gradually phased out. presently, we only have two alternatives as retirees, either united health or kaiser. and as alluring as united health seems, there are little dope traps. like, when you have lab tests, you have to pay for them, and emergency room services are higher than before, $15 more. and what i'm afraid of, you're looking at a duopoly, where you have two choices, and essentially they're going to be the same. i like the idea of bringing back the city plan for everyone. i would like to see that because it's more competition, and more competition means that we get greater benefits. it also means that the employer gets good benefits out of it, too. so i have to admit that i don't keep up with the complexities of what has been presented. i -- it -- basically, i'll have to go back and get an mba to understand it. but at the same time, i get a general gist that there's a potential phasing out of the city plan, and i think this is very dangerous. thank yo