my name is norm galeman, and i'm a retired city gardener, and i just wanted to echo the previous speaker of the confusion that happen about the change. i came to the june meeting, seem s like it was okay for united healthcare, and then i got an e-mail saying it wasn't and come down to this meeting, so quite concerned. thank you for your time. >> thank you for your comments. anyone else is welcome to approach the podium. >> fred sanchez from protect our benefits. what i hear today is encouraging. i am only half crazy, not totally crazy. [laughter] yes, like somebody in oregon said that during the pandemic the reason their only hospital got rid of blue shield is because their capitation rates were higher, so they said, hey, they just got rid of them, but that's in the past. hopefully we'll inform you even now where we are finding difficult so you say you'll work with people, make phone calls to educate that hospital in oregon and say how things will be the same. that is encouraging. but, i'm curious, this is three year contract and i heard different things where it was $67 million savings