mili kaufman also has joined us. she's the executive corredirect the d.c. health benefit exchange authority. and served as the superintendant of insurance of the state of maine from 2008 to 2011. she also has served in key leadership positions at the national association of insurance commissioners and was formerly an associate research professor and project director at the georgetown university health policy institute. and joining us on the line by phone from california we're happy to have peter lee who's the executive director of covered california, a sacramento-based insurance exchange and these states insurance exchange for small businesses. he formerly served as the deputy director of the center for medicare and medicaid innovation at cms where he helped shape initiatives to implement higher quality care at lower costs. he also served as the director of delivery system reform at the federal health and human services offices of health reform and before that was the ceo of the pacific business group on health and executive director of the center for healt