mr. hewitt. >> this time i got data from kaiser in november. and they sent necessity -- me the premium and claim summaries. kaiser is fully insured and we talked in january about whether or not we wanted to consider taking risk and just what kind of renewal given the ruckus from last year we should anticipate. so this is a twofold presentation. one is, do i want to keep the temperament of possible taking risk and some board members are opposed and others lukewarm and others think it's a nice idea. that being said we are going to review the data briefly and i can give you my actuarial view of the trajectory of the data of what it implies of a fully in insured rate. so just to give you a sense of what we have. we have a premium built upon experience data, 100 percent experience rated for inpatient claims, outpatient claims and of the rx data is all supposedly specific to kaiser. where they have to have a big access charge which has been a lot of discussion if this meeting and other meetings at the other.cms. that is allocated not a specific basis