All right, we'll call this meeting to order. Roll call. Director Gers here. Director Hawker here. Dr. Kelenberg here. Dr. Law here. Dr. Parker here. Director here. Chair Sherman here. Um, let's we'll make a motion here to approve today's agenda. Can I get a second? Second calendar with a second. All those in favor of approving tonight today's agenda this morning's agenda raise your hand and say I I opposed. Um agenda passes. Okay. We are here this morning to talk about insurance renewal approval. Welcome Chris. Go over some of the specifics with us. Right. Well, good morning. Um, thanks for having me. Um, we are here today to talk about um um I guess it's a fairly challenging subject. Um, not one that uh that we're super excited about um given our current situation, but nevertheless um we'll go through um where we're at with our insurance renewal. Um and then um you guys can ask questions. It's the arrows left and right. Let's go ahead and advance it. Right. So based on our current situation, um we projected um through our insurance um consultant $24 million in uh claims and fixed costs. Moving ahead, um premium anticipated premium income is at 20 million 20.5 million. Um so we are finding ourselves uh short $3.5 million in um revenue to support our plan. Um some of the reason for that um are increased claim costs um and also um the changes that we made in insurance um have an impact on that on the plan changes last year as well. So there's a little bit of that involved in this as well. Next slide. Hold on a second. So not everybody was on the board last year. So what happened last year was we had for years and years Stillwater has had two plans that they offered our employees. We've had the what we call the high deductible plan which is our current plan and prior to that we had a was it a zero deductible? Um yeah it was just a co-ay plan. So, which was um exceptionally rare um um and exceptionally expensive and it was really dragging the the the pool down in X expense and the people on the high deductible plan or the higher deductible plan were actually supporting people on the gold plan. So committee a year ago made a decision and the the bargaining units agreed with it to just go to one plan. Well, the impact of that was felt in the short term and we're seeing part of that right now as people who were on the gold plan which they had no deductible had heavy utilization last spring before we transition to the uh just a single plan. And our rates are determined based on a 24-month period. So the usage last spring had a significant impact on our renewal. So that's just a little background for you on that. Yes. Um and also part of that is you know we we did try to help ease the transition um through um the viva contribution. So it didn't always match the deductible and last year it did match the deductible. So that was to help the folks on the gold plans who get adapted to that high deductible. Um, so as we look at our renewal right now, we're we a…