each of them will have two minutes and karl kramer, ray fort, debbie verm an and emma gurul. >> yes, commissioners you don't have to accept the whole resolution as a package. i am asking specifically not to accept the raising the out of pocket mum from 4,000 and $650,000 that is a maximum under the affordable care act. this was, and there was no agreement in the work group, and the reason that the meetings went from four to six, was that is a sticking point and at the last meeting was declared and not in agreement, the health department was proceeding on its own on recommending that. and this is a bad precedent and i have been involved in each of these processes since the beginning and this is the first time that this has been done. and the 800-pound gorilla in the room, and make it clear, was enterprise, car company and they attended only one meeting, the first meeting, and they made it clear that they wanted, the minimum standards to be changed to allow, to align with their national plan. and they just wanted a different standard in san francisco. four years ago, enterprise was the