confirm their salaries, or whatever, and so there is a process by which time it takes to get you unenrolled. it is but it's not instant. >> so here's -- i hesitate to do this, but, i have no self-restraint on this issue. one of the core problems with the way that we developed this and the implementation of it, is the focus was on the eligibility and enrollment system as the thing that solved all problems. the reality is, that when you go in to buying a product or looking at -- looking at a range of products, you get a lot of information before you get to the point where you actually sign up and buy. that component was not as focused on by the -- by the federal requirements, by the systems folks. so many of us have websites that were wrapped around or loaded on top of that system that allow -- that allow people to look at those things. but they're not anywhere near as sophisticated or developed, i think, at least in our case, as i would like them to be. so that people can draw those conclusions, have 80% of the information that would give them an 80% clue that they were eligible for this, or