trade-off but almost half are making that trade-off going into those plans and we're still seeing howsehat plays out so that it explains. and we are about to get those are standard dates every year if you are in a private plane you can join one or change one. >> wide and then to be careful of medicare at age 65 or get penalties later and even with a former employer. >> those rules are complicated. if you are still working, part a is what comes automatically based on what you paid and when you are working. that is the part you paid for and that covers hospitals and that is the outpatient part it's notot paid for by the trust fund and then tell people weight when they are 70 or 75 and need more care but then if you are firstst eligible for part b it's in the first has to become eligible for social security so i will not wait if i'm getting employer insurance i don't have to sign up for part b. my mother retired at age 67 but the inside up not until she joined. there are a lot of complicated rules you have to be careful because ifse you miss your window and sign up late it is the additiona

insurance regulators use that data to understand the claim pattern the where they are very and why and howseal status. >> is there an effort to meet international standards and state 50 different standards? >> there is conversation on the development of a single standard so what would be appropriate in regard. that is a conversation that is a very federal standardized approach makes the best sense i want to ensure you that any data collection that occurs iss very robust. >> i just want to say we share your view on the importance of consistent and granular data we look att it that the availability of coverage specially the homeowners business lines anything any national standards and approaches. >> if you could just get for me we have seen huge increases were property losses due to extreme weather events the last couple of decades if you want to quantify these opinions that as a result. realized that the imperfect site but i would like a ballpark estimate thank you mr. chairman the first day thinking it is about supporting small but it is bipartisan so i always feel the same way. only talk ab