center forward has come together with milliman inc., looking at how certain aspects of the affordable care act will affect health care premiums and a lot of information, science on that information about the affordable care act in health care premiums as well. jim o'connor is here in chicago to lead the presentation and essentially will have a reaction by our other panelists. i want to make you aware of who is participating in this program. at the end of the program, there'll be time for questions from the audience and will make sure we cart or time to a certain extent to make sure that happens. jim o'connor. we welcome jim and doug in earl pomeroy as well. jim is a principal at consulting actuary with milliman. he has considerable experience consulting an individual small group insurance markets in this. i'll give assessing the potential impact of health care