 There are a lot of challenges now and how we continue to transform that to become even more relevant to someone living in the 21st century. And so for me it is a combination of how do we continue to perfect medical excellence, but also how do we look at all the wraparound services that we should be engaged in, involved in on behalf of our member and the communities in which we exist. So a medical record of the future or medical information of the future will not just have my blood pressure and all those wonderful things. It would talk about what my social network looks like. It will talk about what my eating possibilities are or challenges are. It will talk about my stress levels at a different level. And quite frankly I will have much more wrapped around me with sensors that gives me a chance to better understand my body and what I can do to take more responsibility for my health and by the way make it all cool. I'm going to give you an example because in our shop we just had a discussion about what is transparency and how do we make transparency actionable. And I'll give you an example of something that we're in the process of rolling out because there's been so much rhetoric and discussion about drug pricing. But yet think about that physician when he or she is writing that prescription. That doc has no idea the out of pocket cost of that medication for their patient. So we're in the process of embedding that patient's plan design in the patient's EHR so when the physician goes and puts that prescription in assuming they're prescribing it electronically and today about 80% of all scripts are prescribed electronically. He or she will be able to see the patient's out of pocket costs and up to five alternatives and the cost associated with each. One of the things that we're seeing is physicians are switching to a lower cost alternative 30% of the time with an average savings to the patient of $70.