mr. cohan we a great -- to cohan we appreciate you coming in. cohen, we appreciate you coming in. shape the opportunity to discuss the many benefits of the to smalle care act businesses and their employees. act isthe care transforming the insurance market, making it easier for them to find and him -- and purchase employee health plans. it is important to remember that the reforms that are in the affordable care act, some of which have you gone into effect and the remainder go into effect in the years beginning january 2014, are not limited to the shop. we have transformed the entire small-group market, whether the products are purchased inside the shop or outside the shop. i think there are sometimes some confusion that in order to benefit from the reforms, you have to buy a product through you do have to purchased through the shop to be eligible in 2014 for the tax credit. other than that, the same reforms apply whether talking about products inside or outside. historically small businesses have been charged 10% to 18% more compared to large employers can small businesses are emp