GRUBERGATE: Sen. John Kerry (MA-D) from 2010 Senate Finance Comittee Healthcare Markup Meeting, “According to Gruber, Who has Been Our Guide on A Lot of This…”
GRUBERGATE CONTINUES …
Who, Jonathan Gruber?
Yup, MIT economist Jonathan Gruber is just some adviser who never worked on Barack Obama’s staff. As it turns out Gruber was like the Julie McCoy, the Democrats cruise ship director of Obamacare. Senator John Kerry (C-MA) in 2010 states that Gruber has been “our guide on a lot of this” referring to cost analysis scoring of Obamacare. Gee John, why such the long face?
Gallup Poll: In Wake of the 2014 Elections Obamacare Hits an All-Time Low at 37% Approval, 56% Disapprove … Grubergate Not Really Reflected Yet in Poll
Remember when Barack Obama said prior to the midterm 2014 elections that all of his policies were on the ballot (VIDEO) and Obama even reminded voters that Democrats looking to distance themselves voted with him.
Obamacare is as unpopular as it ever was. Since Barack Obama’s policies were on the 2014 midterm ballot, I think we can understand why the Democrats took such a butt kicking on November 4th. According to the most recent Gallup poll, Barack Obama’s signature piece of legislation is at an all-time low of 37% approval and 56% disapproval. Eight percent of Republicans approve of Obamacare, while only 33% of Independents approve as well. Meanwhile, 74% of Democrats approve of the ACA, hmm, could these folks be who Jonathan Gruber was speaking of?
As the Affordable Care Act’s second open enrollment period begins, 37% of Americans say they approve of the law, one percentage point below the previous low in January. Fifty-six percent disapprove, the high in disapproval by one point.
The current 37% reading comes on the heels of last week’s midterm elections, in which Republicans won full control of both houses of Congress. Already, party leaders are discussing efforts to repeal the unpopular law.
Repeal is highly unlikely, given Obama’s veto power, but the law’s new low in approval — and new high in disapproval (56%) — could potentially have an impact on its future. The president himself has acknowledged he will consider modifications to the law, which could include repealing the tax on medical devices.
Even more bad news for Obamacare. The Gallup poll was conducted Nov.6-9 and surveyed 828 adults. It has a margin of error of plus or minus 4 percentage points. This means that the poll was taken prior to the VIDEOS coming out of Jonathan Gruber stating that Americans were mislead and exploited. Also, prior to the new enrollment period of Obamacare where the premiums in many states have skyrocketed.
GRUBERGATE:The Liar in Chief President Obama Says Regarding Gruber’s Remarks, “No, We Did Not Mislead to Get Obamacare Passed”
GRUBERGATE … THE GREAT OBAMACARE HOAX, LIES, LIES AND MORE LIES.
Yesterday in Brisbain, Australia Barack Obama finally was asked the question, did you misled the American people with regards to Obamacare. Wouldn’t it have been amazing id he said, YES, you caught me. But, in typical Obama fashion, he denied the allegation and then went off on a tangent explaining away the accusation and never really providing any valid facts to support his denial. All you have done in your six years in office is mislead the American people. President Obama, you have already lied about you can keep your insurance plan and doctor, if you like them … why wouldn’t we think you lied about everything else to pass Obamacare?
Ed Henry – Fox News: At you Burma town hall a couple of days ago you tried to inspire young leaders by saying governments need to be held accountable and be responsive to the people. I wonder how you square that with your former adviser Jonathan Gruber claiming that you were not transparent about the health law, because in his words, ‘the American people, the voters, were stupid’ (VIDEO). Did you mislead Americans about the taxes, about keeping your plan, to get the bill passed?
Barack Obama: No. I did not. I just heard about this. I get well briefed before I come out here. The fact that some adviser, who never worked on our staff expressed an opinion, that I completely disagree with, in terms of the voters, is no reflection of the process that was run. We had a year long debate Ed. Go back and look at your stories. The one thing we cannot say is that we did not have a lengthy about health care in the United States of America. Or that it was not adequately covered. I would just advise every press outlet here to go back and pull up every clip, every story, and I think it is fair to say that there was not a provision in the health care law that was not extensively debated and fully transparent.
First, Obama just heard about this? You mean he can’t remember one of the many meetings with Jonathan Gruber in the White House? Good grief, Obama is using that tired response of he just learned about the issue from the news? Where have we heard that before, maybe in the following VIDEO.
Second, Just curious, does it make an adviser less credible if he did not work directly on Obama’s staff? There are these people called consultants Barack. Who would actually believe that the architect of Obamacare, also the architect of Romneycare, would actually work directly for the President? This sounds an awful lot like the Cheers episode when Cliff was on Jeopardy answering the final Jeopardy question … “who are three people who have never been in my kitchen.”
Third, read the following quote from Obama, “The fact that some adviser, who never worked on our staff expressed an opinion, that I completely disagree with, in terms of the voters, …” All Obama disagrees with is Gruber’s remark that the American voters are stupid. Obama is not saying that he disagrees with the rest of the misleading comments.
Fourth, Barack Obama claimed that the health care debate was extensive, adequately covered and transparent. Hmm really? So why did Nancy Pelosi famously say, “We Have to Pass Our Bill So That You Can Find Out What Is In It.”
Fifth, President Obama, do you really want everyone going back and taking a look at every clip and news account? Look what happened so far by those on the right and bloggers.
Sixth, fully transparent? The Obamacare you can keep your plan if you like it was already awarded the 2013 Politifact lie of the Year. It would appear you are looking to win the award two years in a row. As Jonathan Gruber said, “Lack of transparency is a huge political advantage.”
Seventh, no asked the question whether Obamacare was extensively debated. However, what good is a debate when the premise is based on a lie that is being discussed?
On a completely different lie, check out the 2:20 mark of the Obama VIDEO where miraculously Obama comes up with all of these stats for the Healthcare.gov web site now that it is not crashing all the time. Remember last year when Obama minions were asked for the same type of data and we were told they did not have access to it.
Yeah Mr. President, Obamacare is working … that is why the majority of Americans have not even been affected by it because you delayed it.
Posted November 17, 2014 by Scared Monkeys
Abuse of Power, Barack Obama, Campaigner in Chief, Chicago-Style Politics, collusion, Community Agitator, Corruption, Cover-Up, cronyism, Democrats, Epic Fail, Ethics, Fraud, Government, Healthcare, Healthcare.gov, Hoax, Liberals, Misleader, Obamacare, Obamanation, Progressives, Saul Alinsky, The Dodger in Chief, The Lying King, Transparency, WTF, You Tube - VIDEO | 2 comments
CBS Face the Nation Host Bob Schieffer Dumb Struck by Obamacare Adviser Jonathan Gruber’s Comments … “I Am Not Wild About the New Plan and How It Became Law Either”
I wonder who was more “dumb struck” this Sunday morning, CBS Bob Shiefer or the public watching CBS and hearing for the first hearing Jonathan Gruber’s name and that an Obamacare adviser called them stupid?
This Sunday on CBS ‘Face the Nation,’ Bob Shieffer provided an editorial that was interesting on a couple of levels. First, how many time do news viewers hear an editorial that is breaking news? CBS News has not covered this story, unless you count the 13 seconds on The Eye Opener. Second, we learned that Shieffer, a lib, is not a fan of Obamacare, nor how the plan became law. However, Bob does need a little learning to have a couple of his questions answered. Mr. Schieffer, Gruber does not think the plan was bad. In fact, he likes it. He, like Barack Obama, knew that the truth of Obamacare would never pass, that is why they lied to the American people. But the ends justify the means and lying to “We the People” is fine in their book.
I was dumbstruck when I heard the comments surfacing from and economist named Jonathan Gruber who was paid $400,000 to help shape the presidents health care plan. First, he told us how the plan passed only because a lack of transparency and this is a direct quote, ‘the stupidity of the American people’. [...] I’ll be honest, while I favor health insurance, I am not wild about the new plan and how it became law either. Here is my question for Mr. Gruber, if all this was as bad as you say, why did you take the money you earned as an adviser? Nor is it to late to give it back. What we have here is another example of the sorry state of American politics where people take money for things in which they don’t believe and whether it is good for the America people is not even a question.
No, what we have here is a sorry state of American politics where we have a President of the United States who perpetrated the greatest hoax on the American people and a complicit media who cared Obama’s water by never asking any questions about a health care plan that many knew was a lie. Let’s get some facts correct, the “stupidity of the American people” that Gruber is referring to is Obamacare supporters, not Conservatives and Republicans. Take a look at the Obamacare polls from the outset at RCP, it has always been widely opposed.
A government, no matter what party is in office, is supposed to be questioned by an unbiased media. The Press is supposed to protect us from an out of control government, not be their propaganda machine. However, today’s MSM has no concept why the US Constitution provided Freedom of the Press.
The First Amendment of the United States Constitution protects the right to freedom of religion and freedom of expression from government interference. See U.S. Const. amend. I. Freedom of expression consists of the rights to freedom of speech, press, assembly and to petition the government for a redress of grievances, and the implied rights of association and belief. The Supreme Court interprets the extent of the protection afforded to these rights. The First Amendment has been interpreted by the Court as applying to the entire federal government even though it is only expressly applicable to Congress. Furthermore, the Court has interpreted, the due process clause of the Fourteenth Amendment as protecting the rights in the First Amendment from interference by state governments.
Posted November 16, 2014 by Scared Monkeys
America - United States, Barack Obama, CBS, Chicago-Style Politics, Community Agitator, Democrat-Media Complex, Democrat/Obama Propaganda, Democrats, Fraud, Healthcare, Hoax, Liars, Liberals, Media, Media Bias, Misleader, Obamacare, Obamatax, Progressives, The Lying King, Transparency, We the People, WTF, You Tube - VIDEO | no comments
TV Anchor Melissa Francis Reveals That She Was Silenced When She Questioned the “Math of Obamacare” On the Air at CNBC
MEDIA BIAS: THE LIBERAL MEDIA CARRYING THE WATER FROM BARACK OBAMA …
Melissa Francis, the current anchor of ‘Money with Melissa Francis’ on the Fox Business Channel revealed Friday that she was silenced when she was an anchor at CNBC by execs when she dared question the math of Obamacare. She was told that she was disrespecting the office of the presidency by having the audacity of pointing out the obvious to her viewers, that the math of Obamacare simply didn’t work, in that you couldn’t add millions of people to the system and force insurance companies to cover their pre-existing conditions without raising the price on everyone else. Scolded by management for questioning the government? Really, isn’t that their job and a reason why we have a Freedom of the Press? This was a business show, how could any responsible individual not ask or point out such a simple premise? But not for the suits at CNBC, they might as well called her a racist as well. But when you are the liberal MSM, part of the Democrat/Obama media complex simply in place to be a propaganda vehicle, you must silence all opposition to liberal policy, especially when it is a lie.
Jonathon Gruber telling you that the architects of Obamacare think that you that you are stupid. And most importantly they are counting on your lack of economic understanding. They are not the only villains in this story. They are also depending on the liberal media to cover up the truth. So far NBC, ABC, the Los Angeles Times, the Associated Press, and others, have been only too happy to comply. Those outlets have not even mentioned the video evidence from Jonathan Gruber. It’s shocking, but it actually doesn’t surprise me because when I was at CNBC, I pointed out to my viewers that the math of Obamacare simply didn’t work. Not the politics by the way. But just the basic math. And when I did that, I was silenced.
“It’s shocking, but it actually doesn’t surprise me because when I was at CNBC, I pointed out to my viewers that the math of Obamacare simply didn’t work. Not the politics by the way. But just the basic math. And when I did that, I was silenced,” Francis said.
“I said on the air that you couldn’t add millions of people to the system and force insurance companies to cover their pre-existing conditions without raising the price on everyone else,” she continued. “I pointed out that it couldn’t possibly be true that if you like your plan, you can keep it. That was a lie. And in fact, millions of people had their plans canceled.”
After making the comments, Francis said she was called into a meeting by management and told he was “disrespecting the office of the president.”
I think we now know that Melissa Francis was 100% correct.
Gruber-gate: Jonathan Gruber Says 2009 White House Meeting Included the CBO Director, Robert Gibbs, David Axelrod and Barack Obama
Another day and another damning Jonathan Gruber VIDEO for Barack Obama and the Obamacare HOAX …
UNREAL, JUST ABSOLUTELY CORRUPTLY UNREAL … As if four VIDEOS were not enough of MIT economist professor Jonathan Gruber mocking the American people as too stupid to understand and his condescending, willful and premeditated deception on Obamacare, now comes another one. This time it is Gruber in an interview with Frontline. Gruber says that Barack Obama was in the room when discussing the Cadillac tax lie.
“So we had a meeting in the Oval Office with several experts, including myself, on what can we do to get credible savings on cost control that the Congressional Budget Office would recognize and score as savings in this law.”
Republicans criticized the meting back in 2009 between the CBO director and The White House as inappropriate. Little did GOP Senate Minority Leader Mitch McConnell realize just how inappropriate it was.
McConnell said that “if the CBO is to have credibility, they’re the umpire. They’re not players in this game.”
CBO is tasked with providing “objective, nonpartisan, and timely analyses to aid in economic and budgetary decisions on the wide array of programs covered by the federal budget.”
The White House flatly rejected the idea that there was anything untoward about the invitation or the meeting, which took place on Monday for just under an hour. In addition to the president and Elmendorf, present in the meeting were White House officials such as Assistant to the President for Legislative Affairs Phil Schiliro, Director of the White House Office of Health Reform Nancy-Ann DeParle, Office of Management and Budget director Peter Orszag (a former CBO director himself), National Economic Council Director Larry Summers, chair of the Council of Economic Advisers Christy Romer, senior adviser David Axelrod, and press secretary Robert Gibbs.
Others were there as well, including Department of Health and Human Services adviser Meena Seshamani, Harvard University economist David Cutler and Alice Rivlin of the Brookings Institute, who was founding director of CBO from 1975-1983.
Posted November 15, 2014 by Scared Monkeys
Barack Obama, Chicago-Style Politics, Community Agitator, David Axelrod - Obama Advisers, Divider in Chief, Fraud, Gruber-gate, Hoax, Law Breaker in Chief, Liars, Main, Misleader, Obamacare, Obamanation, Scandal, The Lying King, Transparency, WTF, You Tube - VIDEO | one comment
Charles Krauthammer: Obamacare Architech Jonathon Gruber & Democrats … [They] “Lied About Everything”
THE GREATEST HOAX AND FRAUD EVER PERPETRATED ON THE AMERICAN PEOPLE …
Charles Krauthammer appeared on ‘The Factor’ with Bill O’Reilly to discuss the recent revelations of the Obamacare architect Jonathan Gruber’s videos admitting Democrats knowingly lied with malice and forethought to the “stupid” American public in order to pass Obamacare. Krauthammer said … Democrats “lied about everything.”
Krauthammer also said that this was a scandal of the media that this had to be discovered in the 6th year of Obama’s presidency, rather than talked about at the time. I believe that Krauthammer’s comments on a scandal of the media need to be corrected. It was a scandal of the liberal-Democrat media complex of those in the MSM who protected and carried the water for Obama. There were some in the media who did questions Obamacare and knew it was a lie from the outset. We at SM knew it was a pile of BS from the beginning. However, even upon the release of not one, two, three, but four tapes with Gruber’s remarks stating that Obamacare was passed by lying and misleading the public, ABC, CBS and NBC still not covering the story.
“This is exactly what conservatives have been saying for four years. What we’re hearing now is the true voice of liberal arrogance. [T]hey believe they know the right way—they have to lead the masses to the Promised Land, and they can only do it by deception. And that’s what he said openly…[they] lied about everything.”
Posted November 14, 2014 by Scared Monkeys
Barack Obama, Bill O'Reilly, Charles Krauthammer, Chicago-Style Politics, Democrat-Media Complex, Democrat/Obama Propaganda, FOX NEWS, Gruber-gate, Hoax, Liars, Media, Media Bias, Misleader, Misrepresentation, Obamacare, Obamanation, Obamatax, Scandal, The Lying King, Transparency, We the People, WTF, You Tube - VIDEO | 4 comments
Liberal Media Double Standard: MSNBC’s Mika Brzezinski of The Morning Joe … “If Gruber Were Republican, MSM Would Be Exploding”
I GIVE HER CREDIT, MSNBC’S MIKA BREZEZINKI SAYS … HAD GRUBER BEEN A REPUBLICAN, THE MSM WOULD BE EXPLODING.
The liberal media has avoided the Jonathon Gruber story like Ebola. As VIDEO after VIDEO after VIDEO after VIDEO appear of Gruber, the MIT professor who was also one of the architects and consultants of Obamacare, the liberal media Democrat complex is no where to be found. It is as if the liberal MSM was sucked into a black hole or were suddenly all put in the witness protection program as there has been a “virtual black out” of all Gruber’s remarks as to how Obamacare was passed. What’s the matter, is the media afraid of the truth? Or is it that they know they have now been nailed for the Obama water-carrying sycophants that they are?
You have to give credit where credit is due, even though the Libs at MSNBC tried to down play this. Sorry, Obamacare was the greatest HOAX ever perpetrated on the American people.
MIKA BRZEZINSKI: This Obamacare story, which I saw yesterday and I’m surprised it didn’t emerge . . . It’s an interesting dynamic. This broke yesterday, we kind of, were trying to get to it. Nobody covered it except for some right-wing outlets. Had this been a Republican, what do you think would have happened?
MIKE BARNICLE: Well, he is, this century’s version of David Stockman, who was Ronald Reagan’s original budget director. In 1981, in an extensive magazine piece in the old Atlantic magazine by Bill Greider, former Washington Post editor, David Stockman sat down with him. He was Reagan’s budget director, sat down with Bill Greider for many, many times, to explain the budget. And he said, basically, none of us really understands what any of these numbers are all about, the federal budget.
BRZEZINSKI: [facetiously] So let me guess, nobody dealt with it, right?
BARNICLE: President Reagan had no idea what those numbers were all about.
BRZEZINSKI: Just a few left-wing bloggers brought it up, right? It wasn’t covered? I think there was a huge firestorm, I believe.
HOWARD DEAN: There was.
BRZEZINSKI: Exactly, that’s my point!
BRZEZINSKI: That was a huge gaffe, right? We can all agree on that. I do think had it been a Republican, the media would be exploding.
DEAN: I think there’s a big stature gaffe between the office, the Director of the OMB and a consultant for the — that’s why it’s not a big deal.
BRZEZINSKI: Okay, that’s fair.
Nancy Pelosi Claims She Does Not Know Who Jonathan Gruber Is … FLASHBACK to 2009, Pelosi Touted Gruber’s Work
GRUBER-GATE CONTINUES: NANCY PELOSI, A SENIOR MOMENT? HARDLY, JUST MORE LIES FROM DEMOCRATS …
Embarrassed Democrats try to distance themselves from Jonathon Gruber … House Minority Leader Nancy Pelosi (D-CA) said Thursday that, not only did Jonathan Gruber not play a significant role in drafting Obamacare, but that she doesn’t even “know who he is.” Really San Fran Nan, is that your final answer? I feel like I am watching the game show ‘Who Wants to be a
Millionaire, LYING DEMOCRAT.’ But of course it would appear that Peosi is trying to “gruber” the American people as she thinks we are stupid too. Has she learned nothing about this invention called video tape and the Internet? In 2009 at the height of the Obamacare debate, Nancy Pelosi, then Speaker of the House, touted Gruber’s work with Obamacare. Which begs the question, does Pelosi need to pass Gruber in order to find out who he is?
Is anyone capable of telling the truth in the Democrat party?
But wait Nancy, there is VIDEO of you to commenting on Gruber’s work. Note to Nancy, when one is the architect of Obamacare and is paid nearly $400,000 as a consultant, they did write the bill. In the wake of Gruber-gate, Democrats are proving Jonathon Gruber correct that they think that Americans are stupid. Pelosi would give such a ridiculous, flipped remark that she does not know who he is when she obviously did. It gets better America, Pelosi’s office came back to correct her misspeak by saying … the minority leader meant that she didn’t know Gruber personally. Too bad that is not what she said, Pelosi said, “She said she doesn’t ‘know who he is,’ not that she’s never heard of him. But what else would you expect from Democrats who think you are stupid.
Q: As you know, the Republicans released their health- care bill this week. And I wanted to get your comment on the bill, and specifically on the CBO analysis that it would cost significantly less than the Democratic plan and that it would lower premiums.
PELOSI: Let me just say this. Anything you need to know about the difference between the Democratic bill and the Republican bill is that the Republicans do not end the health insurance companies’ discrimination against people with preexisting conditions. They let that stand. That’s scandalous, the fact that it exists. I don’t understand why they have not heard the American people, who have said preexisting conditions should not be a source of discrimination.
And secondly, the Republican plan ensures about 3 million more people than now, and ours does 36 million people. So that’s a very big difference in that.
We’re not finished getting all of our reports back from CBO, but we’ll have a side by side to compare. But our bill brings down rates. I don’t know if you have seen Jonathan Gruber of MIT’s analysis of what the comparison is to the status quo versus what will happen in our bill for those who seek insurance within the exchange. And our bill takes down those costs, even some now, and much less preventing the upward spiral.
So again, we’re confident about what we set out to do in the bill: middle class affordability, security for our seniors, and accountability to our children.
Health Insurance Reform Mythbuster – ‘Health Reform And Insurance Premiums’
Opponents of health insurance reform continue to spread myths about the recently-passed Affordable Health Care for America Act. For example, they are claiming that health reform would increase premiums for most of America’s families. But the facts continue to knock these myths down—including a brand-new report from the independent Congressional Budget Office.
MYTH: The House health insurance reform bill would result in higher premiums.
FACT: An analysis of the House bill by noted MIT health care economist Jonathan Gruber concludes that the bill would result in lower premiums than under current law for the millions of Americans using the newly-established Health Insurance Exchange – including those who are not receiving affordability credits to help them purchase coverage. (The Health Insurance Exchange is for those without access to affordable employer-sponsored coverage.) As Gruber states: “the premiums that individuals will face in the new exchanges established by this legislation are … considerably lower than what they would face in the non-group insurance market [under current law], due to the market reforms put in place by the House plan, the mandate on individuals to participate regardless of health, and the market economies of new exchanges.”
- The Gruber analysis shows that, on the Exchange, a family at 425 percent of poverty (whose income of $93,710 means that they would receive no affordability credits) would see their premiums reduced by $1,260 or 12 percent compared to current law. Similarly, the Gruber analysis shows that, on the Exchange, an individual at 425 percent of poverty (whose income of $46,030 means that they would receive no affordability credits) would see their premiums reduced by $470 or 12 percent.
- The annual savings are much larger for lower income populations that receive affordability credits. Under the House bill, when the bill’s affordability credits are taken into account, a family at 275% of poverty (income of $60,640) would save $5,030, or 47 percent in premiums compared to current law and a family at 175 percent of poverty (income of $38,590) would save $9,050 or 84 percent in premiums compared to current law.
- Gruber also points out that, even as individuals and families on the Exchange are paying less, they will be getting more:
- The coverage those on the Exchange get under the House plan would be better than today’s typical coverage in the non-group market.
- For example, it would protect individuals and families from high out-of-pocket costs.
- That’s in addition to other consumer protections in the bill – like ending discrimination based on pre-existing conditions and guaranteeing that your coverage won’t be dropped or watered down when you get sick or need it most.
STRIKE THREE for Obamacare Architect Jonathan Gruber … VIDEO of Third Time Gruber References ‘Exploitation of American “Stupid” voter’
THE THIRD TIME IS USUALLY THE CHARM, BUT NOT FOR JONATHAN GRUBER … STRIKE 3 IN OFF THE CUFF COMMENTS!!!
Jonathan Gruber, one of the main architects of Obamacare apologized the other day for his remarks, calling American voters stupid and blamed it on an off the cuff comment that he should not have made. Who really believes that? Gruber was sorry he got caught. However, Gruber was not caught one, but been caught a second time making the same off the cuff remarks. Oh wait imagine this, Gruber has been caught a third time on VIDEO making remarks about the exploitation of the American voters because they are not intelligent enough to understand and can be easily fooled.
More from RCP with a VIDEO of Gruber trying to say that the ends justify the means.
Honors Colloquium 2012 at University of Rhode Island – Jonathan Gruber
The money lines are at about the 28:00 mark of video
A third video has surfaced of Obamacare architect Jonathan Gruber bragging about pulling the wool over the eyes of the American public in order to help implement Obamacare.
“It’s a very clever, you know, basic exploitation of the lack of economic understanding of the American voter,” Gruber, an economist at the Massachusetts Institute of Technology, said during a speech at the University of Rhode Island in November 2012.
He was discussing what is known as the Cadillac tax and how it came into being.
In an effort to add a cost-control measure to Obamacare, former Massachusetts Sen. John Kerry, who Gruber called a “hero,” successfully pushed through a 40 percent excise tax on insurance companies for plans that cost more than $10,200 for individuals and $27,000 for families.