mr. wegner, the california -- california prohibits balanced billing for emergency services, your plans regulated by the department of managed health care. so i just have a few questions to explore this further pick let's say a patient has a private insurance plan, and it's a plan that the state of california has prohibited from balanced billing practices, i guess that would be an hmo plan. >> or seat -- certain p.p.o. plans that are governed. >> in those situations, you don't have a negotiated rate with the insurer? >> correct. >> and you build them. and the insurance company pays a part of the bill, but not all of it. >> correct. >> but in these cases, you don't bill the patient, there is no balance billing because it is prohibited by state law. >> the patient would pay a co-pay or a share of cost under the plan, potentially, the correct, we are not balance billing the insurance. >> in these cases, i think we could assume that we don't destroy the credit, or don't bankrupt the patient as some of these examples of balance billing could do for the other patients. and we don't cause undue stress a