you have shares of CPS quite lower right now of course down to the tune of almost 8% and John I guess that underscores the severity of the problems that CVS is facing right now well yeah I mean along with the new CEO announcement the company sort of did a preliminary release of their third quarter earnings uh which missed wall Street’s estimates and they also pulled their 2024 guidance that guidance had been uh revised downward over and over and over again this year uh and the company said basically that the uh forecast they issued in August uh is no longer operative because of runaway uh medical costs in their in their health health insurance business the main problems at CVS are are coming from the health insurance business uh Etna which it merged with several years ago that’s where the uh the now former CEO Karen Lynch came from um and basically you know Etna in its particularly its Medicare Plan for uh older Americans is facing just much higher costs than they expected higher medical expenses um you know there’s a sense that something you know in their projections or their their uh modeling really really uh went wrong and the company’s been paying the price for that