it's an idea that to paul groundey from ibm and the idea that you coordinate people's care. it's something that hmo's are thought to do very well. we learned they didn't do it as well as we thought. calipers had already done this with blue shield in the sacramento area and they had early good results, early good returns financially. so when we did an rfp, blue shield came out as a vendor and they didn't want to just pilot 1aco, they wanted two. blue shield and the medical group. as you remember we had this conversation in march 11, 3 years ago and we announced the forming of these aco's. the contribution is negotiated by the union and further exacerbated the spiral and as a result the employees share the blue shield. kaiser had a distinct advantage and the employees shared increase. so we the employees in union negotiations now and if all the employees adopt a more equal contribution model the rate disparity will be closer than it's ever been. this is an effort that lisa has led in terms of crunching the numbers for all the parties has been extremely time consuming with aon'