Lets us raise the under 65 to say maybe 50 would that be all right with you just a fee just a little bit more not much. Pay to play would that be okay. If that is okay why not raise to 100 that is not much more pay to play. Where does it stop if we allow these folks to raise rates on anyone without just cause then everyone is subject to a raise we have to take a stand somewhere and this is my stand. Sorry if you do not agree no bad feelings just MY OPINION.