[reading names] >> my name is laurie baker. my husband and i opened a restaurant a year and half ago. it was a lifelong dream, and i am happy that we were able to do it. we created 30 full-time jobs by opening our restaurant. nothing would make us happier than to provide full insurance for each and every one of our employees. i am sure you know, running a food service industry is such a small profit margin, it is not possible at this time. we encourage everyone of our employees to use their hra's. i just want to put my 2 cents in and say that if there were more incentives or tax breaks for small business owners to provide full health insurance to their employees, instead of something like an hra, i think that would be money well spent . i also want you to think about the jobs that will be lost by closing the profit margin for small restaurateurs with the passage of this amendment. supervisor campos: thank you. next speaker please. >> good afternoon. i am the senior director of benefits, compliance, and compensation for camden h