that very afternoon we got an e-mail from my 23-year-old son who is in the navy and says you really ought to think about and iphone application for navy federal. this is the way they communicate. this is the way they do things. how can we encourage them to say to their language, we have a campus checking for college students, they don't write checks anymore. how do we encourage them to use that and put money in their account? it is a daunting question. you that work yourselves have the same question. how do you reach the people you want to reach? we are faced with the same issues. >> your questions or comments? [inaudible question] >> now we got it. i am dan mccready with consumer corporation. hi have been a member of the federal credit union for a long time. a $32 a week textile worker from north carolina opened her first cookie account in the 1930s. i mention that because you literally hold my inheritance and my parents's long-term health care in their hands. i follow these programs with interest. the question is let's start with admiral dawson. how about getting those folks through the

as the old saying goes, i say to my friend from the navy, spending money like drunken sailors. and yet they want to keep the bar open longer than -- and we want to increase the debt at a time when our nation cannot afford it, when we have 10% unemployment, and yet the folks who know medicare the best and can look at this objectively and share with the american people what their beliefs are on what the impacts are going to be, this is going to be devastating for patients who rely on medicare for their health care -- that's our seniors -- devastating for small community hospitals. and i see the former governor of nebraska, senator from nebraska, who's here who knows, like i do in wyoming, the impact on our small community hospitals. but as the senator from tennessee said, this is all being done in the back room. we're not really privy to the newest changes, which i think are actually going to make matters worse. when "the new york times" today says "democrats >> new ideas would be even more expensesive. few details. questions exist about the affordability." what we're dealing wit