we have two different points of view on this topic, johnathan gruber, a key architect on the effort, and ed hasselman, a senior research fellow. mr. gruber, let me begin with you. i have tried for weeks now to get my head around these insurance exchanges and how and if they will actually work. it feels to me like an awful lot has to go right. did it go right in massachusetts? did they work? >> they absolutely did. i urge your viewers to go on ma-melt connecter.org tomorrow and see how the exchange works. it worked very well, it was hard work in the beginning, there were glitches. but it provided an organized shopping experience, that provides favor. it is an introduction into the insurance market and prices have grown slowly on the connecter. so i think it worked well and is a good shopping experience for consumers. >> and many worry is it too good to be true? and if it saves businesses money will it cost me money, can you say whether or not that is indeed the case? >> yes, well, massachusetts is a different example, it was a very different bipartisan piece of legislation. it was a m