joining us now with more, mike thompson, a principal at p.w.c., the big consulting firm. hi, mike. >> hi. >> susie: all right. so 8% increase, that's a lot. but your research shows that it could have been a lot higher because many people, many of them unemployed during the recession, postponed going to the hospital or to their doctor. so now that the economy is improving a bit, more people are employed, should we get ready for a big jump in health care costs? >> i wouldn't say a big jump. i think what we've had over this past year has been a moderation of health care costs, largely as you indicated due to decreased utilization by people. i think going -- go ahead susie. >> susie: no, go ahead, finish up. >> i think in 2011 and 2012 we'll see some increase in that in terms of utilization. we're already starting to see some increases in utilization vis-a-vis what's been a trough over the past year or so. >> susie: and you said in this study that there are a lot of steps that companies are taking to keep the health care costs down, let's take a look at what you said in your s