let's go in focus with steve forbes, rich karlgaard, morgan brennan, john tandy,. are they coming?young people think they're immortal. they won't sign up unless they need it or have mental health problems. of course they are going up. if they don't go up you are getting less or going to a different network. >> rick, it's expensi to sign up. >> this is premature, don't you think? we know younger people tend to do things at the last minute. i don't know what laughed but that is a silly thing to laugh at. it's nothing new. we know about the younger people. let's wait and see, let's wait and see -- stunning. if we're laughing at logic, why are we bothering to have a conversation. you must not have had kids. more importaly, i want to talk about the reassurance pool that people don't know is there. we have a reassurance pool so if numbers don't work out this year there is something to fall back on, so we'll keep any increases fo the next three years down. >> mike, we are laughing because yes, we know young people, and you can cry or laugh. you haveour choice. i choose to laugh but the fa