j j. j.j. i don't think so. last employee was a afghanistan war vet, but because we have part-time employees could compromise or jeopardize the tax credits for next year. >> yes, brian, that is what you are saying not only the 50 level, but the 10 person level here. >> jim's point is well taken here, because if you have fewer than 25 employees, you will get the tax credits and helps you. they are phased in over a couple of years and go away. there are positives, because we have exchanges and hopefully that will decrease the cost, but the jury is out, because we don't know, and so the one foul ball in all of it and when you read it and 2,000 pages of all of the docs is that 50-person provision i have a problem w. >> but the 50-person provision for the 7% of businesses who don't already provide insurance. >> yes, and that represents 90% of people who are employed, so it is a ton of people. >> and thank you for shedding light on this, and appreciate that, as we said a lot of opinions about this, and appreciate your