joining us from san francisco to talk about the report and what too expect going forward is james robertson, professor of health economics at the university of california is the burkely. good to have you -- berkeley. good to have you back an the show. i want to start with harvard and its enrolment guide. it says the university has to respond to the trend of rising health care costs including some driven by health care reform. these professors are realising that employers are passing on more costs to the employees. >> with respect to the costs at harvard, the people need to get with the programme. they are people with unbelievably rich benefits and have been consuming health care as if it were free which it's not. we are going have sustainable control of health care costs if everybody, particularly people like university professors recognise that they are spending real money, and not the money of someone else. my sympathy for my colleagues at harvard is limited. >> premiums still are going up far faster than general inflation or salaries premiums and deductibles for workers, costing 10% of t