>> well, i somewhatgree, but here's the issue. a lot of lawsuits, and they're already have been. the obamare act is full employment act. so much legal action going on. for consumers it is difficult to sue the federal government. here is where the losses come and the reader will come and when they start dealing with the navigators to be trying to get their new policies and being advid o how to fill out forms college policies to get. a group of people that are untrained, and vetted, and have no idea what they're doing. i think if they get bad advice and tried to get the new insurance policies that is where the consumer lawsuits will go. gerri: we know that the navigators are not very well trained. reno a lot of these people, the government said first they will ha months and months of training. no, no. you will only do weeks. >> the federal law that this is a part of, the affordable characters become a part of, essentially it pre-empts any other type of case. any other negligence the many problems that developed in terms getting the