. >> i am the chair of the uc berkel's center for education, and i was also involved in the creation of this law. i want to go back to what he said about 20% of the people use 80% of the features. it does not give back to the point. a quickly look at families without expenditures, someone earning $20,000 a year in 2007 spends $2,000 a year on health care. that is medium. we know people who do not have coverage are more likely to skip needed care or live on healthy lives, have lower productivity. that hurts in terms of business productivity, and it hurts their health. finding that 50% of employers are paying out from 0% to 10% of expenditures is well off what you would expect. this would indicate there is a different pattern of restrictions going on in utilization of these programs. if people were to use it in health care costs step would underline the health care pool, many of these are stand alone. people are not offered a job- based coverage. i do want to draw your attention to some economic impacts. there was a study done by one of the former bush and visors to look into what happ