back in may of this year, covered california, about a year ago covered california wentd to see if there is interest. 33 health plans expressed an interest in entering the exchange and made the selected 13 health plans. cchp was one of them. in this area, i will highlight the plans that serves san francisco county. the ones in bold serve san francisco county and the italicized serve the county. there is one that serves the individual and only four plans that serve the shop exchange. we are one out of the four obviously. that's why i'm standing here. i will give you an example of what happens in the shop exchange. small employer groups can pick up the metallic tier. if an employer picks a silver tier for their employees what rates might show up. the rates vary by age and geographic area. in this case what we show the bottom lean -- line there, is region 4, for 40-year-old, the $4, for 40-year-old, the rate is $223. kaiser is $328. the average of three low price is $417. the average comparable benefits for 2013 according to covered california is $403. so you can see the covered california