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(Yahoo)   We are all going to live healthy, yet homeless, poor and naked lives. Colorado first to release insurance exchange rates   (news.yahoo.com) divider line 252
    More: Fail, Colorado, insurance commissioners, dental insurance, exchange rates, base rates, out-of-pocket costs, Kaiser Permanente  
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6340 clicks; posted to Politics » on 17 Aug 2013 at 6:38 PM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



252 Comments   (+0 »)
   
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2013-08-17 02:19:53 PM  
those rates are massively cheaper than my current rate. I pay 40% of the cost of insurance so my payroll deduction for insurance is about 200-250 a month. (600 a month total cost) If I actually have to use my insurance my out of pocket is very high. Knowing my company I bet the coverages are better as well
 
vpb [TotalFark]
2013-08-17 02:26:22 PM  
Just like those Canadians, and practically all of western Europe.
 
2013-08-17 02:54:58 PM  

Majick Thise: those rates are massively cheaper than my current rate. I pay 40% of the cost of insurance so my payroll deduction for insurance is about 200-250 a month. (600 a month total cost) If I actually have to use my insurance my out of pocket is very high. Knowing my company I bet the coverages are better as well


Yeah but Death Panels Mandatory Abortions SOSHALISAMS!
 
2013-08-17 03:02:30 PM  
Really???? Because I only pay $227. a month 30$ co-pay. Did you read the part where it only covers 60% yet cost 300 a month for a 40 year old? I bet if you are over 50 it will be like 1200.00 a month at only 60% coverage.

Maybe I don't get it.....Plus I live in California so we don't know what ours will be.
 
2013-08-17 03:12:47 PM  
So, essentially, Obamacare is a jack that "mandates" x amount of your paycheck into what ever pile of dough they cut outrageous health care cost checks out of?     I wonder how much interest that fund is going to accrue, none of which will go for medical care of national debt payments.  I wanted to believe this was a good idea.  I really did.  But it's just one more way to turn barely middle class people into poor people and poor people into criminals.
 
2013-08-17 03:14:36 PM  

bunner: So, essentially, Obamacare is a jack that "mandates" x amount of your paycheck into what ever pile of dough they cut outrageous health care cost checks out of?


No?
 
2013-08-17 03:20:51 PM  
I should have figured something was screwy when he started talking about "affordable health care for Americans", because unless there was a ground up restructuring and regulation of medical costs and fees or a complete dismantling of the profit motive, there is no such item.
 
2013-08-17 03:38:50 PM  

bunner: So, essentially, Obamacare is a jack that "mandates" x amount of your paycheck into what ever pile of dough they cut outrageous health care cost checks out of?     I wonder how much interest that fund is going to accrue, none of which will go for medical care of national debt payments.  I wanted to believe this was a good idea.  I really did.  But it's just one more way to turn barely middle class people into poor people and poor people into criminals.


In before you're labeled a right-wing tea partier for questioning Obama's healthcare overhaul.

/the money the insurance cartel lobbyists spent working the Obama administration and Congress appears to have been money well-spent
 
2013-08-17 03:44:22 PM  

Fark It: bunner: So, essentially, Obamacare is a jack that "mandates" x amount of your paycheck into what ever pile of dough they cut outrageous health care cost checks out of?     I wonder how much interest that fund is going to accrue, none of which will go for medical care of national debt payments.  I wanted to believe this was a good idea.  I really did.  But it's just one more way to turn barely middle class people into poor people and poor people into criminals.

In before you're labeled a right-wing tea partier for questioning Obama's healthcare overhaul.

/the money the insurance cartel lobbyists spent working the Obama administration and Congress appears to have been money well-spent


It does seem very costly and you're only getting 60% coverage! But again I live in California so maybe for Colorado those are great rates....
 
2013-08-17 03:46:03 PM  

KimNorth: Fark It: bunner: So, essentially, Obamacare is a jack that "mandates" x amount of your paycheck into what ever pile of dough they cut outrageous health care cost checks out of?     I wonder how much interest that fund is going to accrue, none of which will go for medical care of national debt payments.  I wanted to believe this was a good idea.  I really did.  But it's just one more way to turn barely middle class people into poor people and poor people into criminals.

In before you're labeled a right-wing tea partier for questioning Obama's healthcare overhaul.

/the money the insurance cartel lobbyists spent working the Obama administration and Congress appears to have been money well-spent

It does seem very costly and you're only getting 60% coverage! But again I live in California so maybe for Colorado those are great rates....


Very costly? Where do you get insurance that you pay $177 a month with no subsidy?
 
2013-08-17 03:50:11 PM  
Please know this.  I an not a libby libtard, I am not a neoCON, GOP teapublican.  I have no political affiliation other than history and empiricism and I'm relatively certain that once every four years, the same pack of billionaires throws some money at their sock puppet of choice and pulls both sets of strings until we stop foaming at the mouth and give one of them the job of distracting us from the shenanigans of the people that installed them for another four years.  I think it's a joke.  I think it's a 10 billion acre malarkey farm.  So work from there.
 
2013-08-17 03:52:45 PM  

KimNorth: Fark It: bunner: So, essentially, Obamacare is a jack that "mandates" x amount of your paycheck into what ever pile of dough they cut outrageous health care cost checks out of?     I wonder how much interest that fund is going to accrue, none of which will go for medical care of national debt payments.  I wanted to believe this was a good idea.  I really did.  But it's just one more way to turn barely middle class people into poor people and poor people into criminals.

In before you're labeled a right-wing tea partier for questioning Obama's healthcare overhaul.

/the money the insurance cartel lobbyists spent working the Obama administration and Congress appears to have been money well-spent

It does seem very costly and you're only getting 60% coverage! But again I live in California so maybe for Colorado those are great rates....


And again, just like paying out of pocket at a hospital, the people least equipped to pay more money will end up paying more, only this time a significant chunk of money is going to line the pockets of shareholders, rather than to non-profit hospitals.  The privileged assholes who will defend this trainwreck will point to their health insurance plans, which are steeply discounted by through their employer and are much more generous than the entry-level plans offered through the state exchanges, and claim that the poor are getting a bargain when they're really taking it in the shiatter for the for-profit insurance industry.

This will have zero impact on medical bankruptcies in this country, the ACA will just make sure more money gets diverted to the insurance industry.
 
2013-08-17 03:59:45 PM  
Any young person under 25 can get insurance for that in CA, full coverage not this 60% coverage stuff, plus  the don't get sick so they should be cheap. The older 40 something folks read that part. Right now you can get blue shield from $230-300 full coverage $30 co-pay. None of this only 60% stuff where you're stuck paying the rest.
I guess we will find out for sure when we all have it......
 
2013-08-17 04:05:20 PM  

Fark It: heir health insurance plans, which are steeply discounted by through their employer and are much more generous than the entry-level plans offered through the state exchanges, and claim that the poor are getting a bargain when they're really taking it in the shiatter for the for-profit insurance industry.



And that's the whole thing.  This changes nothing.  It just opens a different vein on the same barely getting by schmucks for grade C health care and it all ends up in the same place, only now, like auto insurance, you HAVE to.  So, let's have a peek a boo at the bright young things who will be trying to go forth into the world and clean up this mess as they fins their place in the world.

Rent - 650.00 - 1,200.00   -   Hope you got roomies.
ACA -  150.00 - 700.00 -  Stop sneezing.
Food - 200.00  -  Om nom Ramen
Gas, insurance and maintenance on your POS car - 200.00
Clothing, wash and dry, soap - 100.00
Utilities, bandwidth - 225.00

1,425.00 low side
2,625.00 high side

Yeah, your average mook with a paper towel dispenser degree is all over that.  Not a problem.  We never had it so good.

Federal minimum wage GROSS before deductions.

1,160.00

Let's say you get a GOOD entry level position for 12.50 an hour

2G gross.  So, yeah.  After taxes, YOU GET TO LIVE INDOORS.

That's not the land of opportunity, that's a kennel where you have to make your own leash.
 
2013-08-17 04:09:31 PM  

bunner: Yeah, your average mook with a paper towel dispenser degree is all over that. Not a problem. We never had it so good.

Federal minimum wage GROSS before deductions.

1,160.00

Let's say you get a GOOD entry level position for 12.50 an hour

2G gross. So, yeah. After taxes, YOU GET TO LIVE INDOORS.

That's not the land of opportunity, that's a kennel where you have to make your own leash.


And if you can't afford that you pay a fine and become a criminal.  So no matter what, they win.
 
2013-08-17 04:12:50 PM  

Fark It: And again, just like paying out of pocket at a hospital, the people least equipped to pay more money will end up paying more, only this time a significant chunk of money is going to line the pockets of shareholders, rather than to non-profit hospitals


So you're unaware that Obamacare ups the requirement that health insurance companies spend 85% of the insurance premium on healthcare-related expenses (i.e. not shareholders), meaning that actually LESS money will be going to shareholders?
 
2013-08-17 04:13:25 PM  

bunner: Fark It: heir health insurance plans, which are steeply discounted by through their employer and are much more generous than the entry-level plans offered through the state exchanges, and claim that the poor are getting a bargain when they're really taking it in the shiatter for the for-profit insurance industry.


And that's the whole thing.  This changes nothing.  It just opens a different vein on the same barely getting by schmucks for grade C health care and it all ends up in the same place, only now, like auto insurance, you HAVE to.  So, let's have a peek a boo at the bright young things who will be trying to go forth into the world and clean up this mess as they fins their place in the world.

Rent - 650.00 - 1,200.00   -   Hope you got roomies.
ACA -  150.00 - 700.00 -  Stop sneezing.
Food - 200.00  -  Om nom Ramen
Gas, insurance and maintenance on your POS car - 200.00
Clothing, wash and dry, soap - 100.00
Utilities, bandwidth - 225.00

1,425.00 low side
2,625.00 high side

Yeah, your average mook with a paper towel dispenser degree is all over that.  Not a problem.  We never had it so good.

Federal minimum wage GROSS before deductions.

1,160.00

Let's say you get a GOOD entry level position for 12.50 an hour

2G gross.  So, yeah.  After taxes, YOU GET TO LIVE INDOORS.

That's not the land of opportunity, that's a kennel where you have to make your own leash.


So, you've never heard of medicaid then.
 
2013-08-17 04:15:26 PM  

Fark It: And if you can't afford that you pay a fine and become a criminal.  So no matter what, they win.


"There's class warfare, all right, but it's my class, the rich class, that's making war, and we're winning." - Warren Buffet

I'm impressed.

Aren't you impressed?

Wow, maybe I can meet him one day and end up paying for lunch.
 
2013-08-17 04:19:06 PM  

cameroncrazy1984: So, you've never heard of medicaid then.


Not being 65, having a vagina, or several illegitimate children and still being able to climb a flight of stairs, I don't really think I can use that.  Which has f*ck all to offer as far as relevance, here.  But then again, I don't expect anything but disingenuous talking points and snotty inferences from this site, so carry on.
 
2013-08-17 04:21:40 PM  

bunner: Not being 65, having a vagina, or several illegitimate children and still being able to climb a flight of stairs, I don't really think I can use that.  Which has f*ck all to offer as far as relevance, here


So seriously, you're unaware as to who is eligible for Medicaid. Wow. No wonder you're balls-out crazy against Obamacare, you have no idea what you're talking about.
 
2013-08-17 04:27:05 PM  

bunner: cameroncrazy1984: So, you've never heard of medicaid then.

Not being 65, having a vagina, or several illegitimate children and still being able to climb a flight of stairs, I don't really think I can use that.  Which has f*ck all to offer as far as relevance, here.  But then again, I don't expect anything but disingenuous talking points and snotty inferences from this site, so carry on.


Where is the funny button!!!!???!!!
 
2013-08-17 04:27:11 PM  

cameroncrazy1984: So you're unaware that Obamacare ups the requirement that health insurance companies spend 85% of the insurance premium on healthcare-related expenses (i.e. not shareholders), meaning that actually LESS money will be going to shareholders?


It's 80% for small groups and individuals (so, again, the poor are getting more screwed).

Insurers must spend 80% (for individual or small group insurers) or 85% (for large group insurers) of premium dollars on health costs and claims, leaving only 20% or 15% respectively for administrative costs and profits, subject to various waivers and exemptions. If an insurer fails to meet this requirement, there is no penalty, but a rebate must be issued to the policy holder. This policy is known as the 'Medical Loss Ratio

Yeah, they're really going to be hurting with those margins, especially after they get millions of new customers.  And I'm sure there won't be any loopholes, and that they won't exploit the system by floating the overage and collecting interest before they give the consumer the refund.
 
2013-08-17 04:29:03 PM  

cameroncrazy1984: bunner: Not being 65, having a vagina, or several illegitimate children and still being able to climb a flight of stairs, I don't really think I can use that.  Which has f*ck all to offer as far as relevance, here

So seriously, you're unaware as to who is eligible for Medicaid. Wow. No wonder you're balls-out crazy against Obamacare, you have no idea what you're talking about.


Are you talking about folks who earn under 80 thousand a year being able to get it for free .....maybe.....that type of thing???
 
2013-08-17 04:30:09 PM  
So you all are okay with single-payer then, no?
 
2013-08-17 04:32:19 PM  

cameroncrazy1984: bunner: Not being 65, having a vagina, or several illegitimate children and still being able to climb a flight of stairs, I don't really think I can use that.  Which has f*ck all to offer as far as relevance, here

So seriously, you're unaware as to who is eligible for Medicaid. Wow. No wonder you're balls-out crazy against Obamacare, you have no idea what you're talking about.


You have to be over 65, under 19, living in a nursing home, caring for a disabled person, or disabled yourself (fat and diabetic counts) to be eligible for Medicaid.  Poor people who don't use condoms can also be eligible for Medicaid.
 
2013-08-17 04:34:40 PM  

Fark It: Yeah, they're really going to be hurting with those margins, especially after they get millions of new customers.  And I'm sure there won't be any loopholes, and that they won't exploit the system by floating the overage and collecting interest before they give the consumer the refund.


They're already occurring, maybe you should read more about it here
 
2013-08-17 04:36:58 PM  

bunner: Let's say you get a GOOD entry level position for 12.50 an hour

2G gross.  So, yeah.  After taxes, YOU GET TO LIVE INDOORS.

That's not the land of opportunity, that's a kennel where you have to make your own leash.


If you're making $25,000 a year, the government will pay for part of your premium.
http://kff.org/interactive/subsidy-calculator/
 
2013-08-17 04:37:37 PM  

themindiswatching: So you all are okay with single-payer then, no?


Absolutely. I'm hoping for the failure of ObamaCare. I'm hoping that its failure leads even the most idiotic amongst us to notice some fundamental facts about health care as a market and to realize that the way to go is to create the largest insurance market possible. And cut that biatch Angela Braly out. She doesn't add anything.
 
2013-08-17 04:38:01 PM  

themindiswatching: So you all are okay with single-payer then, no?


I am in favor of Australia's public-private healthcare system, where everybody gets a socialized, single-payer, minimum level of care with reasonable costs and private plans that have more generous coverage and better access to non-emergency services and fancier hospitals (single-occupancy rooms, zero waiting for non-emergency operations, etc.).
 
2013-08-17 04:39:43 PM  

make me some tea: bunner: Let's say you get a GOOD entry level position for 12.50 an hour

2G gross.  So, yeah.  After taxes, YOU GET TO LIVE INDOORS.

That's not the land of opportunity, that's a kennel where you have to make your own leash.

If you're making $25,000 a year, the government will pay for part of your premium.
http://kff.org/interactive/subsidy-calculator/


A 29 year old non-smoker with no kids would have to pay $95 per month when all is said and done.
 
2013-08-17 04:42:25 PM  
Anybody who thinks that this particular cargo container size collection of gymnastic requirements, codicils, exemptions and 40 page "unless in case of"s is going to amount to anything worth their money is welcome to do so.  But I'm sitting far back enough from the screen to see the whole movie, not just the hero's nostrils.  Parse that minutiae, kids.  There's a prize in this Cracker Jacks box, someplace.  The government said so!
 
2013-08-17 04:46:37 PM  

cameroncrazy1984: Fark It: Yeah, they're really going to be hurting with those margins, especially after they get millions of new customers.  And I'm sure there won't be any loopholes, and that they won't exploit the system by floating the overage and collecting interest before they give the consumer the refund.

They're already occurring, maybe you should read more about it here


Wow, almost $500 million from an industry that as a whole takes in nearly $1 trillion in revenue every year.  What a bargain, praise be unto Obama for this windfall, mandating that a fraction of the money he's forced us into handing over to the for-profit insurance industry trickle back down after Wall Street gets to collect interest on it.
 
2013-08-17 04:46:50 PM  

bunner: Anybody who thinks that this particular cargo container size collection of gymnastic requirements, codicils, exemptions and 40 page "unless in case of"s is going to amount to anything worth their money is welcome to do so.  But I'm sitting far back enough from the screen to see the whole movie, not just the hero's nostrils.  Parse that minutiae, kids.  There's a prize in this Cracker Jacks box, someplace.  The government said so!


Well, they say a fool and his money are soon parted. Enjoy the inevitable ER visit and ensuing bankruptcy wherein they take your house and car because you hate teh gubmint and its rules.
 
2013-08-17 04:47:22 PM  
Can someone educate me on where the fark are the NEW customers going to come from? Folks that don't have insurance are not going to buy when they can just pay a small fine.
 
2013-08-17 04:47:32 PM  

Fark It: Wow, almost $500 million from an industry that as a whole takes in nearly $1 trillion in revenue every year.  What a bargain, praise be unto Obama for this windfall, mandating that a fraction of the money he's forced us into handing over to the for-profit insurance industry trickle back down after Wall Street gets to collect interest on it.


That's just the rebates. The rest of it goes into healthcare. Not that I'd expect you to really get it, you hate anything with a corporate logo on it.
 
2013-08-17 04:48:12 PM  

bojon: Folks that don't have insurance are not going to buy when they can just pay a small fine.


There are a lot of customers that can't get insurance due to things like pre-existing conditions, or other factors. And there are a lot of people that won't want to pay the fine.
 
2013-08-17 04:50:32 PM  

make me some tea: bunner: Let's say you get a GOOD entry level position for 12.50 an hour

2G gross.  So, yeah.  After taxes, YOU GET TO LIVE INDOORS.

That's not the land of opportunity, that's a kennel where you have to make your own leash.

If you're making $25,000 a year, the government will pay for part of your premium.
http://kff.org/interactive/subsidy-calculator/


cameroncrazy1984: make me some tea: bunner: Let's say you get a GOOD entry level position for 12.50 an hour

2G gross.  So, yeah.  After taxes, YOU GET TO LIVE INDOORS.

That's not the land of opportunity, that's a kennel where you have to make your own leash.

If you're making $25,000 a year, the government will pay for part of your premium.
http://kff.org/interactive/subsidy-calculator/

A 29 year old non-smoker with no kids would have to pay $95 per month when all is said and done.


where did it say that?? It did not ask for age??
 
2013-08-17 04:52:53 PM  

cameroncrazy1984: bojon: Folks that don't have insurance are not going to buy when they can just pay a small fine.

There are a lot of customers that can't get insurance due to things like pre-existing conditions, or other factors. And there are a lot of people that won't want to pay the fine.


Hey, I just wrecked my car, sell me some insurance
Hey, I just broke my leg, sell me some insurance
Hey, my house is on fire, sell me some home insurance
Hey, do not use words that don't mean what  you think they mean...
 
2013-08-17 04:54:46 PM  

KimNorth: where did it say that?? It did not ask for age??


Yeah it did. You have to fill out the form and it pops up.

bojon: cameroncrazy1984: bojon: Folks that don't have insurance are not going to buy when they can just pay a small fine.

There are a lot of customers that can't get insurance due to things like pre-existing conditions, or other factors. And there are a lot of people that won't want to pay the fine.

Hey, I just wrecked my car, sell me some insurance
Hey, I just broke my leg, sell me some insurance
Hey, my house is on fire, sell me some home insurance
Hey, do not use words that don't mean what  you think they mean...


Hey, it's almost like health insurance is a totally different thing.
 
2013-08-17 04:55:52 PM  

cameroncrazy1984: That's just the rebates. The rest of it goes into healthcare. Not that I'd expect you to really get it, you hate anything with a corporate logo on it.


Aside from the 20% from the poor that will line the pockets of executives and shareholders, not factoring in exemptions and loopholes, of course.
 
2013-08-17 04:56:02 PM  
OMG!!! The calculator does ask for age and I will be paying $102.00 more a month for the same plan....... I hope I can find enough deductions to get my taxes down to get the credit!! I hope that is how it works as I am self employed do they go off what you earn gross or net??....Oh well....
 
2013-08-17 04:56:19 PM  

KimNorth: make me some tea: bunner: Let's say you get a GOOD entry level position for 12.50 an hour

2G gross.  So, yeah.  After taxes, YOU GET TO LIVE INDOORS.

That's not the land of opportunity, that's a kennel where you have to make your own leash.

If you're making $25,000 a year, the government will pay for part of your premium.
http://kff.org/interactive/subsidy-calculator/

cameroncrazy1984: make me some tea: bunner: Let's say you get a GOOD entry level position for 12.50 an hour

2G gross.  So, yeah.  After taxes, YOU GET TO LIVE INDOORS.

That's not the land of opportunity, that's a kennel where you have to make your own leash.

If you're making $25,000 a year, the government will pay for part of your premium.
http://kff.org/interactive/subsidy-calculator/

A 29 year old non-smoker with no kids would have to pay $95 per month when all is said and done.

where did it say that?? It did not ask for age??


Enter a response to Number of Adults.
 
2013-08-17 04:58:08 PM  

KimNorth: I hope I can find enough deductions to get my taxes down to get the credit!!


Have kids or become obese and contract diabetes!
 
2013-08-17 04:59:51 PM  

bunner: Please know this.  I an not a libby libtard, I am not a neoCON, GOP teapublican.  I have no political affiliation other than history and empiricism and I'm relatively certain that once every four years, the same pack of billionaires throws some money at their sock puppet of choice and pulls both sets of strings until we stop foaming at the mouth and give one of them the job of distracting us from the shenanigans of the people that installed them for another four years.  I think it's a joke.  I think it's a 10 billion acre malarkey farm.  So work from there.


Ah... you're an "Independent."
 
2013-08-17 05:01:44 PM  

propasaurus: Ah... you're an "Independent."


Heheheheh.  No, I just have more sense than to climb into pigeonholes or take seriously the pronouncements of people who need to assign one to me.  For instance.
 
2013-08-17 05:10:12 PM  

Fark It: KimNorth: I hope I can find enough deductions to get my taxes down to get the credit!!

Have kids or become obese and contract diabetes!


You're right add a kid in there and it gets cut in half!
 
2013-08-17 05:21:00 PM  
Let me offer my corollary to the Bunne Rabb Theory of Economics©.

"If you give anybody anything of value, they tend to keep it."

Here's the corollary.

"If you can acquire enough things of value to effectively have the process legislated in your favor, you don't have to work anymore."  And that is now the entire raison d' ètre of government as we define it.  Legislating the movement of value upchain.  Period.
 
2013-08-17 05:36:53 PM  
What else is one to expect from implementing an idea from the Heritage Foundation?

They got what they wanted AND get to blame the Democrats for the negative side effects.

...but it's still better than the abortion that was already in place.
 
2013-08-17 05:38:19 PM  
Well, this thread got a lot less douchey pretty quickly.

Quick, somebody, Obama's water isn't going to carry itself!
 
2013-08-17 06:01:37 PM  

bojon: cameroncrazy1984: bojon: Folks that don't have insurance are not going to buy when they can just pay a small fine.

There are a lot of customers that can't get insurance due to things like pre-existing conditions, or other factors. And there are a lot of people that won't want to pay the fine.

Hey, I just wrecked my car, sell me some insurance
Hey, I just broke my leg, sell me some insurance
Hey, my house is on fire, sell me some home insurance
Hey, do not use words that don't mean what  you think they mean...


Insurance will pay for your house after it's burned down, your car after it's wrecked, or your broken leg after you've already gone to the ER?
When did that start happening?
 
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