mr. stapley, you noted in your testimony that private employers subsidize costs of medicare. can you provide an example of that? >> i provided examples earlier. the situation on electronic claims where medicare does not pay for that, so the private participants have to subsidize. on the other hand, i just gave the example on the negotiation when you are working out rates that you are going to pay providers, medicare is giving a 2% increase. that means yours is going up by 6%. from my perspective the issue really is, if the public plan truly does compete on a level playing field, i am not having to pay them money to compete against the to compete on a level playing field. if you can resolve that issue you will find employers feel better about it. i don't know if they feel totally good about it but if the public plan, in terms of the reimbursement perspective, on a level playing field, that makes it easier to deal with. we don't want to subsidize, they have lower rates, and create an incentive for our employees to leave the system and go to the public plan. >> the recurring the