the uncertainty comes in two areas -- what is happenign in washinghton, d.c., causes concern about the marketplace but the uncertainty of the affordable care act. we have been dealing with this for 2 1/2 years asking questions, not getting the find answers, finding the answers cannot be given because they do not know the answers. it creates a lot of confusion. now with what has taken place, we have answers. we know the affordable care act is here to stay. we did not like the affordable care act and we challenged it in court. we thought the supreme court would come down on our side. we hope the election will turn out a bit differently. mitt romney was our champion and we knew he would have some efforts to repeal obamacare and the affordable care act but we now are to the poionnt where the affordable care act is the law of the land in utah is prepared to participate in that effort. we believe our exchange has a role to play and in the current situation. the contributions our employers make into the defined contribution vary from zero -- to $2,000 a month. the average is $437. it has the