and ron pollock joins us now along with dr. zeke emanuel who was an adviser to the white house on health care. so ron, let me start with you. you were joined today by somebody who has benefited directly from this law. this court ruling today in real terms to real people, what does it mean? >> it means that they now have the peace of mind that the health coverage they couldn't get before the affordable care act became law, now they know that they are getting significant help, they're get substantial subsidies that make health coverage affordable. and it won't be taken away. and so we have talked to countless people many of whom we've brought to washington to tell their own stories. gwenn was one of them. and they all say that if it wasn't for the affordable care act, they would be uninsured, many of them have major health care problems like gwenn's husband, he had a significant tumor. and if he did not have health coverage, he could not have gotten the care he needed. he ultimately got the care he needed. if he paid for it out o