Thank you, Mr. Chairman. Mr. Chairman, at this point, as I indicated, if you are a recipient under NIHB, that's where you get the service and you get the service prescribed by NIHB. As we look at supplementary health benefits, these kind of very legitimate questions are going to have to be addressed because there is going to be the issue of two-tiered, three-tiered systems especially when we know that the NIHB is seeking to control their costs and it's a capped program and they are not very progressive. Thank you.