so that's where we started. >> which is exactly what you've done as well, stephen byrd. i read your op-ed in the "journal" recently. market-based solutions can reduce the national health care bill by 40%. tell me how you've done it, what you have implemented for your employees to incentivize them to exercise, eat right, and stay healthy to obviously prevent disease later in life because we all know that 70% of the money that we spend in health care goes to disease that is based on behaviors, lifestyle, and are preventible. >> sure. you know, unfortunately for us we don't have the cleveland clinic to rely on in any of our markets. so what we did is we redesigned our own health care plan as a self-insured employer. we're free to design that just the way we would like. and we're basically doing what toby cosgrove said. if we can make our workforce healthier, we'll lower the need for health care, and therefore lower the cost. and we picked up on the notion that 70% of health care costs are driven by behaviors. so we created a series of incentives for our employees to engage