Chris Murphy actually said...

Almost without exception schools are making decisions about programs based on what's best for students.

I share the experience that Senator Bennet had of going around my State and having doctors' offices, having hospitals, having skilled nursin...

But this is really a big, big improvement for us. While it was painful, it was--I am getting a lot of nodding heads from the panel as well.

There's still significant risk. Any time you're choosing to self insure.