ms. calvin said that one of the parts they do as part of the audit is they look at the financial statement and they get incorporated at a very high level in the comprehensive financial report which i will call the khafre. the financial statement stands alone like many other departments pfc has separate ones and sfo have separate ones. these are available in our office and on lean. i -- online. i would like to point out the difference of the balance, an increase of $15.5 million from last year of $77.7 million as of june 30, 2014. against that, $92.8 million we have identified and have worked with aon to identify $77 million in obligations with leaves $15.8 million that is not obligated within the reserves. however, i will be reporting in the next discussion about how things and as you know last year things go up and down within the trust. so, the $15. million in fiscal years 12 #shgs 13, 14, are attributed to $11.9 million of premiums over claims increased incurred but not reported obligation claims lower utilization, savings from the employer group waiver program for the medicare pharmacy