katherine. let's turn to brian. brian webb from naic. >> thank you very much. good afternoon, everybody. my name is brian webb. i'm with the national association of insurance commissioners. we represent the commissionerses from the 50 states, washington, d.c., which just became more important to some people in the room, last year. and also the five u.s. and also the five u.s. territories which as clarified last week are not states for title 1, the affordable care act. one of our jobs is to develop model laws, rules and regulations that states can choose to use. we do this with an open process. we're bringing stakeholders from all, various areas. and we try to develop one and one of those that we have is the network adequacy model act. number 74. if you're keeping track at home. number 74, basically was developed in 1996 and looking around the room, looks like about half of you were in kindergart kindergarten. so it was a long time ago. now we're starting to look at it once again to see if it needs to be updated given the new environment. looking at the existing model, the basic focus was