>> good afternoon commissioners, richard rolph man, retirees. i looked at the dental x-ray and teeth cleaning and preventative. at kaiser you get a free exam every year and what if you used your -- you have a crown at the beginning of the year and you go over the thousand dollars and you might want to put it off until next year to get your teeth cleaned and you might have or x-rays and you might have more serious problems. so i think the commission in delta dental should look at the teeth cleaning and x-ray as a preventative method included in the rate and not raise the rate because they are preventing future cost down the road unless they want to make more money off us going to the dentist more often. i think they are looking at it the wrong-way. i agree we need to survey the ones that are not in the system but maybe ask them a question or two why they are not in, i think i know the answer. but it would be good to know why they are no the in the system. thank you >> director? >> i just wanted to in direct response to the last two comments point

>> good afternoon commissioners, richard rolph man, retirees. i looked at