how do you think drafters were planning on hsa's? where they encouraging a more was some of the language in the bill be more discouraging? i think it plays out of with a recent conversation with personal response ability. >> i will let paul elaborate more on that. it collapsed on the ability to utilize more consumer-based products. with the limitations on deductibles, the total out of pocket cost, all of the first dollar coverage now being required -- not that carriers are not going that way anyway, but i just don't think it incentivize is it much. at the end of the day, it's a cost comparison for our employers -- what is less expensive? tonight maintain the coverage and what are my options? if they require these plans to cover x, y, and see, i'm not sure there will be there long term. i'm not sure you can put anything in these pretexts accounts anything, s -- into anything, so the direction is opposite for me. >> for me, it's more of a mixed picture. there wasn't any language in the legislation that specifically says cannot offer hs