and as jim lazarus said the commission does not see that the way that the businesses have been utilizing the hras as a loophole but as a means of really trying to deal with complying with the high cost of healthcare that the insurance companies they are not previously up until 2014, with the aca were not charged for businesses. and also, i think, you know, the commission had representation on the universal healthcare council and the business community was there and we were all in agreement with the goals and really want to work on trying to find a solution. to really work to the most effective means of finding a solution to really get to i think, the target population that you are trying to address today. although, the expenditure and the mandated spending requirement, in light of what is as a loophole >> i mean, as, and it is not... >> i mean no, it is not a loophole, the money was there for the employees to use and access and for the majority of the businesses, individuals did just that. and you know, with even with the city's mra, but didn't have 100 percent utilization, with the citi