and robert lazewski, a consultant to the health insurance industry. welcome to you, gentlemen. okay, i have to start with you, jonathan gruber, since you are one of the architects of the affordable care act. did the president make a promise he couldn't keep? >> you know, i don't want to get into the president's word choice but the president said is people can keep the insurance they like he probably should have said people can keep the quality insurance that they like. there's a lot of insurance throughout that isn't quality insurance that are has various limitations with it. but the key thing to remember is that this is not an issue for the vast majority of americans. the vast majority of americans have health insurance from their employer or government and that's not touched. this is an issue for the substantial minority, maybe 5% or 6% of americans, that buy insurance on their own. about half of that population will probably have to buy up because of this law. their policies are getting changed. others their policies are getting canceled but they can buy things that are subs