. >> there are two different looks at the nha.n of sources of funds is the final bill pair like medicare, medicaid. the slight you mentioned on the spopser basis was where we take some of the spending and shift it into who is ultimately responsible for funding the health care so as micah referred our out of pocket isn't going to include committee premiums. the employees share a premeditate yum! but move it back to the households. so it's a different cat >> and this is a related question. so premiums are taken out of people's pay checks, that's in the household number but not in the out of pocket? >> no. and it would never be in our out of pocket number. our out of pocket number is just going to be the deduct blets and -- >> i realize this question doesn't fit into health care reform but -- is that money taxable or after taxes? taken out of your paycheck? >> um -- you mean the money that we are accounting for in the national health -- pretax? >> deducted from your paycheck as your share of premiums? that's in the household number b