marchand, you are recognized. >> in the last 24 hours we have begun to hear a lot about the concept of changed cpi instead of the traditional cola method. but each of the panelists talked a little bit about that concept may be described to the public -- could each of the panelists talked a little bit about this concept, maybe describe to the public why this concept is important? >> there has been debate about the cpi come out about what the appropriate c.p.i. is almost from the time we have linked benefits to it. there is concern in the market about what basket is used relative to the goods we consume. they argue between the change to c.p.i. and the current cpi. in the current cpi, many people do not believe that when we consider the price of a good -- let's take a car -- if the price of in the city's goes up, maybe you do not -- a price of a mercedes goes up, maybe you do not buy that, but an audi. it is overstating what the true cost of living is. it extends beyond things like cars it extends on down. the argument is that c.p.i. more closely reflects the cost of what living is over t