first, to our kate rogers on the numbers that really matter. kate, you know, you know the drill better than anyone. these are the things we follow, folks, how many of the enrollees are new, net new enrollees, how many are young, crucial to providing the means which which we pay for all of this, and perhaps most importantly how many of them are paying, young or old? let's start with that last one then, kate. how many are paying for the privilege? >> well, that's a question that i wish i had an answer for you, neil, but we still don't know. like you said, late in the day yesterday we hear 5 million new enrollees have selected plans on both state and federal exchanges. now the language that the department of health and human services uses is key here, because selecting plans does not mean that you've paid your first month's premium, and that's important because the insurance industry counts you as enrolled once you actually write your check for that first month, so we don't know how many have actually paid, but there's reports out there that 80% of