cbo, the actuaryies, everyone was flat-out wrong. since payments were cut in the affordable care act, medicare advantage enrollment has grown dramatically. it's now about a third of the program. so even though congress and the administration may not be taking efforts to really reform the medicare program radically. beneficiaries are doing that. why are they doing that? probably because, in a lot of areas of the country, medicare advantage plans are being overpaid, there's been issues about risk adjustment in medicare advantage, leading to higher payments. there's quality bonuses in the program that may or may not be tied to research, suggesting that those higher quality plans actually are better for beneficiaries. so i think there's a lot of issues around medicare advantage payment that need some reconsideration. one aspect of medicare advantage that i think is very important to recognize is that private plans can come into the program and successfully compete with traditional medicare, because those private plans are using the prices