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Administrative costs and CEO bonuses and if you don't you've got Diabacor a rebate anything but you spent up back to the consumer so there are millions of Americans who receive rebates they may not know the they got it because before correct or quote unquote Obama care up by Ike date but they're pretty happy to get those rebates back a because it made sure that the insurance companies were treating folks pale we said that any young person who the doesn't have health insurance can stay on their parents health insurance until the 26 years old and as a consequence what we've seen is steadily the rate if uninsured for yak people dropping over the last three years since the bill passed a and obviously providing a lot a relief tell our parents out there because while young people as they've been entering the job market ate time when jobs are tough to get and oftentimes benefits are slim.