Thank you for inviting AARP to participate in today's hearing.

The whole point of Medicare Advantage plans was to be proactive and preventative, right, and you said that in your opening remarks.

Would you say that the complexity of the system is disadvantaging people on lower incomes?

This hearing is called to order. Isn't that cool? I actually get a gavel. This is pretty cool.

Yes. Well, the good news is you have got five years to research it. It may take that much time.

We appreciate that Senator Ricketts has cosponsored this important legislation.

Would it have been helpful to start having that dialog earlier?

I think there is a common thing in marketing that you have to get a message out seven times before people start remembering it.

Is that written in the rules, though, that two-week timeframe?

I don't think it was the goal that we were going to have 50 percent of people on these plans.

Would you say then your evaluation of this, your assessment is we actually have not met that goal, that we are not being as preventative and we are not actually saving costs in this program?