bring in former apple ceo, john sculley, cheer marketing at pharmacy benefit manager good to have you >> thank you, carl >> we have been talking about the notion of apple pushing into health care on all kinds of devices. how disruptive will this be? >> i think it is a smart move for apple. obviously apple is putting boundaries on what it is going to actually do with that data. they aren't trying to use that data themselves for some purpose but trying to enable, empower the consumer to have more access to data. the thing that i think about is people tried this before, google health tried going to the provider to get data, these are people like epic, athena, big hospital systems, and that's only half the story. the other half of the story is really the insurance payers, they're the ones that get the reimbursement, payers can offer incentives to get people to modify behavior. if you want to empower consumers, you have to give them not only access to the data on the iphone or watch, but tie it to the ecosystem of the insurance payers that's how you start to modify behavior you can start t