all of us are basing our estimate on a really splendid paper in health affairs by jack hadley, john hollihannd who are the others. you probably should know them by heart. i shouldn't put you on the spot. they were a urban institute crowd, bob's employees. and this is a superb study the way they did it and everyone uses it as a benchmark and they started out saying if you took fully privately insured people in 2008 and looked at what was spent on their name, it was $3900. and if you took similar -- the same demographic makeup, similar people who were uninsured, we spent, what, something like 18, 1700 there. so about 43%. so if we argue we are not rationing healthcare in america, that is just a joke. that is rationing unless you say the whole difference was waste. you must -- we must already have been rationing. so basically what jack hadley and colleagues do, basically say we have to top this off, you know, if we insured them they'd behave like the others, it'd be 3900 and i think in the end, because some people weren't insured the whole year, only part of the year, what they come up with, it