gipp yes. what we think is it's highly unfair. the tax code today is highly unfair. if you're an upper middle income or above, you get an average of about $2,700 in tax breaks from the federal government through getting your health care. if you're poor or you're lower middle income, you get about $100. what we propose is to equalize the tax code and get everybody in the country, every family in the country $5,700. that rietzs each year as a decreed -- rises each year as a refundal credit for your health care. you can keep the insurance you have. if you want to stay there, you stay there. you goat choose what you want. -- get to choose what you want. the studies say we'll get everybody covered in a way that gives them personal choice, gives them the freedom to access it where they want and how they want it. and we'll also allow them to choose the time and the actual physician. think about medicaid for a moment. we have all of these people on medicaid. yet 40% of the physicians in this country -- the cost to them is greater than the reimbursement for it. so we've promi