klein's question, mr. roh -- mrs. romer, d cbo score the senate at $1.60 trillion. it is not provide an employer mandate or payroll attacks. the house bill will cost about $1 trillion, largely due to the mandate to provide insurance or 88% payroll tax. how important is it that the employers continue to provide insurance along with other non providing employers? is 8% adequate or realistic? does the senate a bill to meet the president standards? >> i think you are all getting at a key issue, which is how one structures the employer shared responsibility. that is important to maintaining the system that we have, the employer based insurance. that is certainly important. the detail are sending it will be analyzing more. i am sure that the congressional office will be analyzing it more. one issue of one to bring up, as mr. klein was talking about, slowing the growth rate of costs and our report shows that it has a beneficial effect on employment. by having a time when cost is not rising as much, gives as a period of unusually good economic performance. we certainly want