i'm larry burton, vice president of the government relations team. a lot of us are looking at the supreme court decision and what happens, what's going to happen at the state level? what's going to happen to health exchanges? and so in spite of all the coverage and dialogue about it, there's uncertainty and confusion about what's out there in terms of choices. our own cvs consumer research has shown 78% of the consumers we interviewed who would be eligible for the new health care insurance coverage have never heard of the state-based health care exchanges. the need to shop for health care coverage starting in 2014. in addition, more than 60% said they need help in choosing health insurance when the system changes. so with this backdrop, i think the panelists today will be providing us insights and interesting information in terms of what the choices are and also how government, how consumer advocacy groups and private enterprise can partner together in looking for solutions in the future, so thank you very much. >> thank you so much, larry. [ applaus