. >> i just had an article from kiplinger magazine saying that now doctors partner with third party organizations. i guess not everybody's in favor of advantage plans, just to -- not to rain on your parade here. >> a very fair statement, and there are a plethora of opinions on medicare advantage plans out there, no question. >> right. right. >> yeah. i think what's also true is the -- from the c.m.s., this is where they're investing their innovation, and so the opportunity -- that's where the opportunities are, and as we well know, you know, the innovations that they create there are often -- you know, the science that they use is really sound, you know, and it takes them a while to approve certain things into your plan, but that's because they're looking for significant findings that these things really work. so in that respect, i think this board was very forward thinking in looking at medicare advantage and where it is today, especially given the politics that we're living through right now, the innovation center continues to innovate at c.m.s., so that part of it is good news, where we're see