. >> where can you turn to uncomplicate it for him?e of the simplest things any business own ker do is to encourage employees to maybe go out and find their own individual policies, we're talking about health care. they can buy policies on the exchanges, the state or the federal exchange, or maybe go to an individual provider, and then offer to reimburse at least a portion of that. you know, that way you're giving something to your employees without going through the massive setting up a plan, you know. you're not incurring all the administrative cost but at least doing something. at the very least, i would encourage him in do something like that and then maybe if things go well from there, and maybe things are going well with the company, he can then put a formal benefits program in place, but that's a good place to start. >> yeah. and also a bunch of companies, peos they're called to outsource this to, pay roll and benefits. there is an administrative fee to your point but it gets the headache out of your -- >> can you definitely out