doing a deeper dive on that data it looks like 32% of the new live are people that waiveed in the previous year so the supposition is that the change in the mental benefit helped people select the dental coverage where they previously had not and finally some notes by our employers. we certainly for the other three employers and by that i mean the unified school district, the community college district and the court. when you look at the proportion of their active population to the retiree population they have more than 50% of retirees as a proportion to the number in actives whereas and city plan for example we've got roughly 27,000 retirees and 62,000 employees so the proportion is considerably less than 50%. also for -- i think this is new this year but certainly city college had a decrease in enrollment maybe due to the instability issues going on over there and the unified school district continues to be the second largest employer so high level and those are some of the questions. are there any questions from the demographics report? >> just a point of clarification. i would not char