joining us on "inside story" bill snyder, and in new york, yegeni, and cee cee connolly, with health research institute. cee cee, what needs to be known that isn't known yet in order to start making conclusions about whether the imagined mechanics, the relationship between cost and expenditures --cost and revenues are going to work out? >> one of the most important questions, ray, next up is who are these new customers? and what kind of health status are they in? and are they going to come and participate in managing their care? because that really cuts to the heart of how expensive or not they may be, and this idea of managing the risk pool in insurance. that's going to have an impact on premiums in the future years. it's very important. we know that many, many of the health insurance companies at this very moment are trying to reach out to these new members and get them to take a questionnaire, come in for a physical, provide any sort of insight into what kind of health conditions they might have that need to be addressed. >> you're a guy who watches the numbers very closely. now t