ms. fetter, we have known each other awhile. welcome, judy. great to see you. you talk in your testimony about private public models. what would a cup the of -- you think the most likely and sensible models look like very generally in terms of bringing private contribution and public participation in to this. thinking of a limited public benefit that could be available to people after a waiting period. that would be determined -- this is i'm thinking now of the retiree population. we would adapt it for the younger disabled population. but what the waiting period would depend upon what you're earning -- lifetime earnings looked at like retirement it would give insurance companies i was interested to see recently they have been talking -- you know in advance would have a longer waiting period. it would be adjusted to income. and what i think -- looking at something like this. because the insurance companies insurance industry has the biggest problem when you out on the actuarial frontier was the you're give l them some protection at the back end. it may be less c