here to help us sort through this latest health care conundrum is paula wilson, specializing in employeend small business benefits. great to see you, paula. >> good morning. >> what's interesting about this is this is -- we're talking about for businesses that have less than 50 employees. there still will be a place to go and get insurance for your employees. but the idea of having to choose one plan versus letting your employees choose your plan really changes things, doesn't it? >> well, i'm a california agent. and in california we've had multiple choice for years. most of my small businesses have their employees choose between up to 20 plans. and we do have private exchanges in california that offer multiple plans and many levels of benefits. so it's not really anything new here. and the california shop exchange will open on january 2014. >> well, there are a number of states that have actually taken this on themselves. and for them, employees will be able to go in and choose their own plans. since you work with so many people where employees choose their own plans, do you think in th