Hi, my name is betsy and I'm calling from the small research firm in Seattle public Partners. I'm doing some research on the employee health benefits industry specifically looking to understand how decisions about health insurance I made and how that's going to be affected by the introduction of private exchanges, I'm looking for an industry expert to kind of give me some insight on that topic and I came across your profile on linked in I was wondering if I could ask you a couple of quick questions my number is 206-428-0347 if you could give me a call again, my name is betsy and my number is 206-428-0347. Thank you.