ask fm, hsf with the discount.ra receives a dollar for dollar medical enforcement of crap similar to many fsa's that they receive their their employers. employees who receive the hsf with the discount receive a 75% discount on their quarterly fees, which range between zero and $450 depending on the individual's income and an employee who receives an mra receives a calculated subsidy to support their enrollment into cover california, that is based on individuals and epistles dissipated out of pocket costs for covered california insurance after other federal and state subsidies. of all employees who have rolled and rolled into one of these programs, 98% are enrolled in sf mra, 2% are enrolled in hsf with the discount in less than a half% are enrolled in emma covered mra. the simplification proposal of effects the s fco program and it does not affect any other programs such as hsf. i see that greg is on, did you want to make a comment now? >> i'm sorry to interrupt here but the logic is going and i was just trying to