. >> lisa gut be. i'm going to accept set up the questions. one of our unions is looking at the rates and benefits process as the question of hsf regarding the rate setting process from the 2013 and he basically was asking about how was the pricing done and concern that maybe we overpriced 2013 and so i thought the best way to answer that question was how to actuary through the health service board address the question and -- kosher. >> okay. neale coacher, hue hewitt. you have in your packet 2013-2014 rating. i even have an executive summary. can you hear me okay ? the question relates to the way trends are applied to calculate 2013-2014 premium equivalence. in this presentation to analyze the use of the blue shield renewal presented at the health services board will be reviewed. i actually have that page as the very last page of this document. at that time, i don't mean to go all the way to the end. we pointed out the medical spin we projected for the earlier data in 2013 was determined to be 56815 and because of the incredibly good work of