if you're a seen issor, and you bought a health insurance policy for your medicare, and it costs less, you can do with it what you want. the whole point to this advisory committee is not allow the games that are played in insurance to cherry-pick or undermine your health condition. so that we create a real competitive model that does two things. one is it guarantees you cover a a age. number two it drives toward prevention. what do we know, still in this country the first symptom of the vast majority of people with heart disease is what? death. why should that be? why is it when it's a preventable diagnosable disease. people whose first symptom of heart disease is they drop over dead, so what we want to do is both drive prevention and the management of chronic disease. we don't have health care in this country. we have disease care, and what we ought to be doing is how do we revert that back to health care where we prevent disease or manage disease effectively, so if you have 20 different companies competing for your business, and they know you're going to still be there, then what we