I was cool honestly terrified by some things that have changed in that week because it really hit my employer segment hard I specialize in groups in 10,000 plus lots so for those of you that our small group here’s my involving a small group we write a number a restaurant counts anywhere from ten dead 80,000 restaurant employees we do a lot of franchise work we have a special unit that work some franchise so when I took a look at how it impacted the small employer again big ass cell I was a squeaky wheel I picked up the phone and I contacted a few individuals and I knew in Washington and that really became a journey for us we’ve been able to put together white papers for the Department of Labor we’ve testified we really have a finger on the pulse of not just what was passed because anybody can read what was passed albeit numbers want to rebuild his house because it's just dead boring but what they're about to do and I will share everything that I know with you as we go to the presentation so as we refer to what do you call it P Pasha for Picador those with you been paying attention know <a href="http://lumeraeyeserumfacts.com/">Aging Serum</a> when the industry calls it either of those anymore week refer to it as the Cecilia right so this live right here will probably give you more than you need to know this is the health care reform law in nutshell on one slide you don't need to be the three thousand pages now very simple it increases access to health insurance it expands market requirement and it pays for all the best by increased taxes in cuts to Medicare is it so as long as you understand what thesis the new cancer to drill down into the new show the details here's our increased access summit this we haven't gotten to in some but we already have but we're going to have a high risk pool for uninsured individuals course that's going to get paid for it much part on the fees that I'm about ready to talk to you about you had a reinsurance program for the retirees sum up you may have taken advantage about couple years ago for those of you that are a small business some tax credits there for offering health insurance right and if states can voluntarily expand their Medicaid programs that's been in the press a lot much more sell in May and June as we lead up to that Supreme Court rolling the 26 states were party to that lawsuit at the supreme court level.

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