health care and the Affordable Care Act. We have just been through a volatile election process, as of now that volatility is still manifesting itself in the form of civic protests in large urban areas. “Inside the Affordable Care Acts Arizona Meltdown” 10/31/16 “Health Law Enrollment Opens Amid Volatility” 11/1/16 “Health Insurers Pullback Threatens to Create Monopolies” 8/28/16 There are many new articles in 2018 on this also. Can you explain how the Affordable Care Act is not guaranteeing those who purchase insurance on the exchanges a competitive marketplace? Do you see this as a problem, fully explain why or why not?