so julie rovner, to you first we said millions of americans.y people are really affected by this new health care law in terms of their taxes? >> well we don't know how many people are going to be paying the penalty because they didn't have insurance in 2014. that's partly because we don't know precisely how many people remained uncovered, and mostly we don't know how many of those people who remained uncovered will qualify for one of the myriad exemptions from having to pay the penalty. we have a better idea of who is impacted in terms of the subsidies. there are just under 7 million people who signed up for insurance on the marketplaces. those are the people who are being theoretically affected, about 80% of people who got insurance coverage through the exchanges, got subsidies, those are the ones who are having to do a very complicated calculation about whether they have to-- some of them are getting money back, and some will owe more money. >> woodruff: and that's whether it's a state exchange or the federal exchange; is that correct? >> in