robert grayboy, senior research fellow at george washington center. and jay angoff, jay, in the original design, was it already understood that there was going to be a certain amount of churn, people signing up, dropping out, signing up, dropping out, there would be a constantly changing population? >> sure. churn is giving companies a chance to ing the price low. people can compare, come close to doing apples to apples comparisons. that's be 97 for companies to pry low. whether you call it churn or something else it benefits consumers because for the first time, insurance companies really do have an incentive to compete on price rather than on differentiating the benefit package and things aconfuse consumers. >> we don't have a big idea, but over two years, does that give incentive to keep prices low? >> people on both sides acknowledge it's working. it's here to stay, there can be changes made. i think there ought to be changes made. for example, i think the benefits should be more standardized so people can more easily compromise. competitive biddi