exhibits that now will not apply now that we have your action from the earlier discussion on the uhc city plan so i will take you to the specific exhibits that also match with that earlier action today. before we talk about rate cards i just want to present a r reminder that this effect -- is the full. when we do present these rate cards they're reflective of what we call the full employer c contributions hired on or before january 9th, 2009. retired persons, retired for disability and surviving spouses or surviving domestic partners who died in the line of duty. there are alternative ways that some individuals become eligible for coverage or receive an employer contribution. so for instance on page 21 just to see a group that receives coverage but no contribution. and then on page 22 there's a group of retirees that will receive 50% of the employer charter contribution who were hired on or after january 10th, 2009, with greater than 10 years of credited service but less than 15 years. we just wanted to remind that when we present the rate cards the information is the full subsidies for t