youi used that age are a -- usee hra. the average age of my workers is 50 years old. the person is going to cost me $600 a month in insurance. gooi am considered a large business, so the difference is huge. i did not have an extra $30,000 -- $34,000 a month. you want me to come up with $34,000 a month to take care of seniors so they can stay in their home. i do not even make $2 million in billings. my expense is labor. i take a short as mark crup. we let our people use hra for anything they want. they have got a debit card. the insurance company sends them on a quarterly basis how much they have in their accounts. some of those people only work five hours a week in san francisco but they put me over the threshold. i am considered a large business. i do not have the dollars to put up francois -- up front. >> thank you. >> we have been doing business for 25 years where a small company with slow growth. we have six stores. we cannot charge 4%, so we comply completely with the regulations. we informed our people every quarter, and i am here to give a face to what this all