TERRY O'NEILL: All right. We've been told over and over again that gender rating is gone, but it's not. Employers with more than 100 employees who buy into a plan on an exchange, the insurance companies will be permitted to charge higher premiums up to, up to 50 percent higher for women than for men, just because they're women. Age rating. We talked about that before. The triple premiums being paid by older people has a disproportionate impact on women. So these are the issues that we see that are problematic. http://www.pbs.org/moyers/journal/03262010/transcript4.html When employers have to pay up to three times for the health care of older workers and another 50% more if these workers happen to be female, women, esp older women ,will have an even harder time finding time. All older workers, male or female, will have a much harder time finding work than it is now. And it is not easy now!