what i find interesting, ms ms. pollitz is you brought up a question nobody has seemed to answer. in your testimony you point out that in 1996, the hipaa provisions required that in individual health insurance policies, that not only is it a guarantee of renewability, but you say, continuation in force. now, do you interprets that phrase to mean the noncancelability we have been talking about here? >> yes, sir. >> and if that is what the law that has been in place since 1996 means, why are we having this discussion? >> well, i'm not sure if i can answer the second question but i think -- i should say i am not an attorney. i just read english, and the words say, continue in force and this only exceptions that -- among the ones we are talking about today are fraud. and that is inconsistent with what these other kinds of post-claims under writing guidelines or provisions that are in state law provide for which say that fraud is the only defense, or the only reason for cancelling after a two year period. so, essentially, new policyholders, can't ever quite be sure if they are really c