if it's the case that the citizens unitedncreased the volume of c-3s, i am ahead of one. hope the conversation doesn't tar all c-3s. but if we have increase in c-3 and c 4, we need transparent system to pull sun seth of applications. we have n't target specific groups. >> leight there. healthcareaw promise to bring down cost. the very people mea to health proving costs on the way up? >> reduces most people's premiums. bring down the deficit by $1 trillion. because we spend the healthcare dollars wisely. east. back to "forbes" on business. ♪ >> the healthcare law was all about lowering cost and getting the uninsured insured. but a new survey says whopping two-third of those who don't have a healthplan yetmay not buy one at all. steve, you say this is going to cost us all. explain. >> well, if they don't get everyone in to this thing obviously they will have more costs. what they designed in a way younger people with the subsidiaries pay more than they shld in a normal free market. so younger people at least initially will say they catch me i'll pay the small fine, not pay