,,ii  #aae? ,,congress  #b;d ,session   
,h4 ,r4 #faii  ,,9 ,,! ,,s5ate ,,( ,,!  
,,unit$ ,,/ates  ,july #bf1             
#bjah,receiv$  ,,an ,,act  ,to am5d !   
,int]nal ,rev5ue ,code ( #aihf to       
include c]ta9 ov]-!-c\nt] m$ical        
products z qualifi$ m$ical exp5ses4  #a4
 ,%ort title2 table ( cont5ts  7a7 ,%ort
 title ,?is ,act may be cit$ z ! ,re/or+
 ,access to ,m$ication & ,mod]niz+      
,heal? ,sav+s ,acc\nts ,act ( #bjah4    
7b7 ,table ( cont5ts ,! table ( cont5ts 
= ?is ,act is z foll[s3  ,sec4 #a4 ,%ort
 title2 table ( cont5ts4 ,sec4 #b4 ,fir/
 doll> cov]age flexibility = high       
d$uctible heal? plans4 ,sec4 #c4        
,treatm5t ( direct prim>y c>e s]vice    
arrangem5ts4 ,sec4 #d4 ,c]ta9 employm5t 
relat$ s]vices n treat$ z disqualify+   
cov]age = purposes ( heal? sav+s        
acc\nts4 ,sec4 #e4 ,contributions       
p]mitt$ if sp\se has a heal? flexible   
sp5d+ acc\nt4 ,sec4 #f4 ,,fsa & ,,hra   
t]m9ations or conv]sions to fund        
,h,s,as4 ,sec4 #g4 ,inclusion ( c]ta9   

ov]-!-c\nt] m$ical products z qualifi$  
m$ical exp5ses4 ,sec4 #h4 ,c]ta9 am\nts 
paid = physical activity1 fitness1 &    
ex]cise treat$ z am\nts paid = m$ical   
c>e4  #b4 ,fir/ doll> cov]age           
flexibility = high d$uctible heal? plans
  7a7 ,9 g5]al ,section #bbc7;c77#b7 ( !
 ,int]nal ,rev5ue ,code ( #aihf is am5d$
 by add+ at ! end ! foll[+ new          
subp>agraph3  7,e7 ,fir/ doll> cov]age  
flexibility  7i7 ,9 g5]al ,a plan %all n
 fail to be treat$ z a high d$uctible   
heal? plan by reason ( fail+ to h a     
d$uctible = n m ?an #bej ( specifi$     
s]vices = self-only cov]age 7twice su*  
am\nt 9 ! case ( family cov]age7 dur+ a 
plan ye>4  7ii7 ,specifi$ s]vices ,=    
purposes ( ?is subp>agraph1 ! t]m       
specifi$ s]vices means1 ) respect to a  
plan1 s]vices o!r ?an prev5tive c>e 7)9 
! mean+ ( subp>agraph 7,c77 id5tifi$ "u 
! t]ms ( ! plan z be+ s]vices to :i*    
clause 7i7 applies4  4  7b7 ,inflation  
adju/m5t ,section #bbc7;g77#a7 ( su*    
,code is am5d$-- 7#a7 by /rik+ &        

7c77#b77;,a7 ea* place x appe>s & ins]t+
 1 7c77#b77;,a71 & 7c77#b77;,e71 &  7#b7
 9 subp>agraph 7,b7-- 7,a7 by /rik+ su* 
taxable ye> 9 ! matt] prec$+ clause 7i7 
& ins]t+ ! taxable ye> 7plan ye> 9 !    
case ( ! doll> am\nt 9 subsection       
7c77#b77;,e771 &  7,b7 by /rik+ clause  
7ii7 & ins]t+ clauses 7ii7 & 7iii7 9    
clause 7i71 by /rik+ & at ! end ( clause
 7i71 by /rik+ ! p]iod at ! end ( clause
 7ii7 & ins]t+ 1 &1 & by ins]t+ aft]    
clause 7ii7 ! foll[+ new clause3  7iii7 
9 ! case ( ! doll> am\nt 9 subsection   
7c77#b77;,e7 = plan ye>s beg9n+ 9 cal5d>
 ye>s aft] #bjai1 cal5d> ye> #bjah4  4  
7c7 ,effective date ,! am5dm5ts made by 
?is section %all apply ) respect to plan
 ye>s beg9n+ aft] ,decemb] #ca1 #bjah4  
#c4 ,treatm5t ( direct prim>y c>e s]vice
 arrangem5ts  7a7 ,9 g5]al ,section     
#bbc7;c77#a7 ( ! ,int]nal ,rev5ue ,code 
( #aihf is am5d$ by add+ at ! end !     
foll[+ new subp>agraph3  7,d7 ,treatm5t 
( direct prim>y c>e s]vice arrangem5ts  
7i7 ,9 g5]al ,a direct prim>y c>e s]vice

 arrangem5t %all n be treat$ z a heal?  
plan = purposes ( subp>agraph 7,a77ii74 
7ii7 ,direct prim>y c>e s]vice          
arrangem5t ,= purposes ( ?is p>agraph-- 
7,i7 ,9 g5]al ,! t]m direct prim>y c>e  
s]vice arrangem5t means1 ) respect to   
any individual1 an arrangem5t "u :i* su*
 individual is provid$ m$ical c>e 7z    
def9$ 9 section #bac7;d77 consi/+ solely
 ( prim>y c>e s]vices provid$ by prim>y 
c>e practition]s 7z def9$ 9 section     
#ahcc7x77#b77;,a7 ( ! ,social ,security 
,act1 det]m9$ )\t reg>d to clause 7ii7  
!re(71 if ! sole comp5sation = su* c>e  
is a fix$ p]iodic fee4  7,,ii7          
,limitation ,) respect to any individual
 = any mon?1 su* t]m %all n include any 
arrangem5t if ! aggregate fees = all    
direct prim>y c>e s]vice arrangem5ts    
7det]m9$ )\t reg>d to ?is subclause7 )  
respect to su* individual = su* mon?    
exce$ #aej 7twice su* doll> am\nt 9 !   
case ( an individual ) any direct prim>y
 c>e s]vice arrangem5t 7z s det]m9$7 t  
cov]s m ?an "o individual74  7iii7      

,c]ta9 s]vices specifically exclud$ f   
treatm5t z prim>y c>e s]vices ,=        
purposes ( ?is p>agraph1 ! t]m prim>y   
c>e s]vices %all n include-- 7,i7       
proc$ures t require ! use ( g5]al       
ane/hesia1  7,,ii7 prescription drugs   
7o!r ?an vacc9es71 &  7,,iii7 laboratory
 s]vices n typically adm9i/]$ 9 an      
ambulatory prim>y c>e sett+4  ,!        
,secret>y1 aft] consultation ) !        
,secret>y ( ,heal? & ,human ,s]vices1   
%all issue regulations or o!r guidance  
reg>d+ ! application ( ?is clause4  4   
7b7 ,direct prim>y c>e s]vice arrangem5t
 fees treat$ z m$ical exp5ses ,section  
#bbc7;d77#b77;,c7 is am5d$ by /rik+ or  
at ! end ( clause 7iii71 by /rik+ !     
p]iod at ! end ( clause 7iv7 & ins]t+ 1 
or1 & by add+ at ! end ! foll[+ new     
clause3  7v7 any direct prim>y c>e      
s]vice arrangem5t4  4  7c7 ,inflation   
adju/m5t ,section #bbc7;g77#a7 ( su*    
,code1 z am5d$ by section #b7;b71 is    
am5d$-- 7#a7 by ins]t+                  
7c77#a77;,d77ii77,,ii71 aft] 7b77#b71   

ea* place x appe>s1 &  7#b7 9           
subp>agraph 7,b71 by /rik+ & 7iii7 &    
ins]t+ 1 7iii7 & 7iv7 9 clause 7i71 by  
/rik+ & at ! end ( clause 7ii71 by /rik+
 ! p]iod at ! end ( clause 7iii7 &      
ins]t+ 1 &1 & by ins]t+ aft] clause     
7iii7 ! foll[+ new clause3  7iv7 9 !    
case ( ! doll> am\nt 9 subsection       
7c77#a77;,d77ii77,,ii7 = taxable ye>s   
beg9n+ 9 cal5d> ye>s aft] #bjai1 cal5d> 
ye> #bjah4  4  7d7 ,report+ ( direct    
prim>y c>e s]vice arrangem5t fees on    
,w-#b ,section #fjea7;a7 ( su* ,code is 
am5d$ by /rik+ & at ! end ( p>agraph    
7#af71 by /rik+ ! p]iod at ! end (      
p>agraph 7#ag7 & ins]t+ 1 &1 & by ins]t+
 aft] p>agraph 7#ag7 ! foll[+ new       
p>agraph3  7#ah7 9 ! case ( a direct    
prim>y c>e s]vice arrangem5t 7z def9$ 9 
section #bbc7;c77#a77;,d77ii77 :i* is   
provid$ 9 connection ) employm5t1 !     
aggregate fees = su* arrangem5t = su*   
employee4  4  7e7 ,effective date ,!    
am5dm5ts made by ?is section %all apply 
to mon?s beg9n+ aft] ,decemb] #ca1      

#bjah1 9 taxable ye>s end+ aft] su*     
date4  #d4 ,c]ta9 employm5t relat$      
s]vices n treat$ z disqualify+ cov]age =
 purposes ( heal? sav+s acc\nts  7a7 ,9 
g5]al ,section #bbc7;c77#a7 ( ! ,int]nal
 ,rev5ue ,code ( #aihf1 z am5d$ by      
section #c7;a71 is am5d$ by add+ at !   
end ! foll[+ new subp>agraph3  7,e7     
,special rule = qualifi$ items & s]vices
  7i7 ,9 g5]al ,an individual %all n be 
treat$ z cov]$ "u a heal? plan =        
purposes ( subp>agraph 7,a77ii7 m]ely   
because ! individual1 9 connection ) !  
employm5t ( ! individual or !           
individual's sp\se1 receives 7or is     
eligible to receive7 qualifi$ items &   
s]vices at--  7,i7 a heal?c>e facility  
locat$ at a facility own$ or leas$ by ! 
employ] ( ! individual 7or ( !          
individual's sp\se71 or op]at$ prim>ily 
= ! b5efit ( su* employ]'s employees1 or
  7,,ii7 a heal?c>e facility locat$ )9 a
 sup]m>ket1 ph>macy1 or simil> retail   
e/abli%m5t4  7ii7 ,qualifi$ items &     
s]vices def9$ ,= purposes ( ?is         

subp>agraph1 ! t]m qualifi$ items &     
s]vices means ! foll[+3  7,i7 ,physical 
exam9ations4  7,,ii7 ,immunizations1    
includ+ injections ( antig5s provid$ by 
employees4  7,,iii7 ,drugs o!r ?an a    
prescrib$ drug 7z su* t]m is def9$ 9    
section #bac7;d77#c774  7,,iv7 ,treatm5t
 = injuries occurr+ 9 ! c\rse (         
employm5t4  7,v7 ,drug te/+1 if requir$ 
z a condition ( employm5t4  7,,vi7 ,he>+
 or vision scre5+s4  7,,vii7 ,o!r simil>
 items & s]vices t d n provide          
significant b5efits 9 ! nature ( m$ical 
c>e4  7iii7 ,aggregation ,= purposes (  
clause 7i77,i71 all p]sons treat$ z a   
s+le employ] "u subsection 7b71 7c71    
7m71 or 7o7 ( section #dad %all be      
treat$ z a s+le employ]4  4  7b7        
,effective date ,! am5dm5ts made by ?is 
section %all apply to mon?s beg9n+ aft] 
,decemb] #ca1 #bjah1 9 taxable ye>s end+
 aft] su* date4  #e4 ,contributions     
p]mitt$ if sp\se has a heal? flexible   
sp5d+ acc\nt  7a7 ,contributions p]mitt$
 if sp\se has a heal? flexible sp5d+    

acc\nt ,section #bbc7;c77#a77;,b7 ( !   
,int]nal ,rev5ue ,code ( #aihf is am5d$ 
by /rik+ & at ! end ( clause 7ii71 by   
/rik+ ! p]iod at ! end ( clause 7iii7 & 
ins]t+ 1 &1 & by ins]t+ aft] clause     
7iii7 ! foll[+ new clause3  7iv7 cov]age
 "u a heal? flexible sp5d+ arrangem5t ( 
! sp\se ( ! individual = any plan ye> ( 
su* arrangem5t if ! aggregate           
reimbursem5ts "u su* arrangem5t = su*   
ye> d n exce$ ! aggregate exp5ses :i*   
w\ld be eligible = reimbursem5t "u su*  
arrangem5t if su* exp5ses 7 det]m9$ )\t 
reg>d to any exp5ses paid or incurr$ )  
respect to su* individual4  4  7b7      
,effective date ,! am5dm5t made by ?is  
section %all apply to plan ye>s beg9n+  
aft] ,decemb] #ca1 #bjah4  #f4 ,,fsa &  
,,hra t]m9ations or conv]sions to fund  
,h,s,as  7a7 ,9 g5]al ,section          
#ajf7;e77#b7 ( ! ,int]nal ,rev5ue ,code 
( #aihf is am5d$ to read z foll[s3  7#b7
 ,qualifi$ ,,hsa di/ribution ,= purposes
 ( ?is subsection-- 7,a7 ,9 g5]al ,! t]m
 qualifi$ ,,hsa di/ribution means1 )    

respect to any employee1 a di/ribution f
 a heal? flexible sp5d+ arrangem5t or   
heal? reimbursem5t arrangem5t ( su*     
employee directly to a heal? sav+s      
acc\nt ( su* employee if--  7i7 su*     
di/ribution is made 9 connection ) su*  
employee e/abli%+ cov]age "u a high     
d$uctible heal? plan 7z def9$ 9 section 
#bbc7;c77#b77 aft] a significant p]iod (
 n hav+ su* cov]age1 &  7ii7 su*        
arrangem5t is describ$ 9 section        
#bbc7;c77#a77;,b77iii7 ) respect to !   
portion ( ! plan ye> aft] su*           
di/ribution is made4  7,b7 ,doll>       
limitation ,! aggregate am\nt (         
di/ributions f heal? flexible sp5d+     
arrangem5ts & heal? reimbursem5t        
arrangem5ts ( any employee :i* may be   
treat$ z qualifi$ ,,hsa di/ributions 9  
connection ) an e/abli%m5t ( cov]age    
describ$ 9 subp>agraph 7,a77i7 %all n   
exce$ ! doll> am\nt 9 effect "u section 
#abe7;i77#a7 7twice su* am\nt 9 ! case (
 cov]age :i* is describ$ 9 section      
#bbc7;b77#b77;,b774  4  7b7 ,p>tial     

r$uction ( limitation on d$uctible ,,hsa
 contributions ,section #bbc7;b77#d7 (  
su* ,code is am5d$ by /rik+ & at ! end (
 subp>agraph 7,b71 by /rik+ ! p]iod at !
 end ( subp>agraph 7,c7 & ins]t+ 1 &1 & 
by ins]t+ aft] subp>agraph 7,c7 ! foll[+
 new subp>agraph3  7,d7 s mu* ( any     
qualifi$ ,,hsa di/ribution 7z def9$ 9   
section #ajf7;e77#b77 made to a heal?   
sav+s acc\nt ( su* individual dur+ !    
taxable ye> z does n exce$ ! aggregate  
increases 9 ! balance ( ! arrangem5t f  
:i* su* di/ribution is made :i* occur   
dur+ ! portion ( ! plan ye> :i* prec$es 
su* di/ribution 7o!r ?an any balance    
c>ri$ ov] to su* plan ye> & det]m9$ )\t 
reg>d to any decrease 9 su* balance dur+
 su* portion ( ! plan ye>74  4  7c7     
,conv]sion to ,,hsa-compatible          
arrangem5t = rema9d] ( plan ye> ,section
 #bbc7;c77#a77;,b77iii7 ( su* ,code1 z  
am5d$ by section #e7;a71 is am5d$ to    
read z foll[s3  7iii7 cov]age "u a heal?
 flexible sp5d+ arrangem5t or heal?     
reimbursem5t arrangem5t = ! portion ( ! 

plan ye> aft] a qualifi$ ,,hsa          
di/ribution 7z def9$ 9 section          
#ajf7;e77#b7 det]m9$ )\t reg>d to       
subp>agraph 7,a77ii7 !re(7 is made1 if !
 t]ms ( su* arrangem5t :i* apply = su*  
portion ( ! plan ye> are su* t1 if su*  
t]ms appli$ = ! entire plan ye>1 !n su* 
arrangem5t w\ld n be tak5 into acc\nt "u
 subp>agraph 7,a77ii7 ( ?is p>agraph =  
su* plan ye>1 &  4  7d7 ,inclusion (    
qualifi$ ,,hsa di/ributions on ,w-#b    
7#a7 ,9 g5]al ,section #fjea7;a7 ( su*  
,code1 z am5d$ by section #c7;d71 is    
am5d$ by /rik+ & at ! end ( p>agraph    
7#ag71 by /rik+ ! p]iod at ! end (      
p>agraph 7#ah7 & ins]t+ 1 &1 & by ins]t+
 aft] p>agraph 7#ah7 ! foll[+ new       
p>agraph3  7#ai7 ! am\nt ( any qualifi$ 
,,hsa di/ribution 7z def9$ 9 section    
#ajf7;e77#b77 ) respect to su* employee4
  4  7#b7 ,con=m+ am5dm5t ,section      
#fjea7;a77#ab7 ( su* ,code is am5d$ by  
ins]t+ 7o!r ?an any qualifi$ ,,hsa      
di/ribution1 z def9$ 9 section          
#ajf7;e77#b77 be=e ! comma at ! end4    

7e7 ,effective date ,! am5dm5ts made by 
?is section %all apply to di/ributions  
made aft] ,decemb] #ca1 #bjah1 9 taxable
 ye>s end+ aft] su* date4  #g4          
,inclusion ( c]ta9 ov]-!-c\nt] m$ical   
products z qualifi$ m$ical exp5ses  7a7 
,h,s,as ,section #bbc7;d77#b7 ( !       
,int]nal ,rev5ue ,code ( #aihf is       
am5d$-- 7#a7 by /rik+ ! la/ s5t5ce (    
subp>agraph 7,a7 & ins]t+ ! foll[+3 ,=  
purposes ( ?is subp>agraph1 am\nts paid 
= m5/rual c>e products %all be treat$ z 
paid = m$ical c>e41 &  7#b7 by add+ at !
 end ! foll[+ new subp>agraph3  7,d7    
,m5/rual c>e product ,= purposes ( ?is  
p>agraph1 ! t]m m5/rual c>e product     
means a tampon1 pad1 l9]1 cup1 sponge1  
or simil> product us$ by wom5 ) respect 
to m5/ruation or o!r g5ital-tract       
secretions4  4  7b7 ,ar*] ,m,s,as       
,section #bbj7;d77#b77;,a7 ( su* ,code  
is am5d$ by /rik+ ! la/ s5t5ce & ins]t+ 
! foll[+3 ,= purposes ( ?is subp>agraph1
 am\nts paid = m5/rual c>e products 7z  
def9$ 9 section #bbc7;d77#b77;,d77 %all 

be treat$ z paid = m$ical c>e44  7c7    
,heal? flexible sp5d+ arrangem5ts &     
heal? reimbursem5t arrangem5ts ,section 
#ajf ( su* ,code is am5d$ by /rik+      
subsection 7f7 & ins]t+ ! foll[+ new    
subsection3  7f7 ,reimbursem5ts =       
m5/rual c>e products ,= purposes ( ?is  
section & section #aje1 exp5ses incurr$ 
= m5/rual c>e products 7z def9$ 9       
section #bbc7;d77#b77;,d77 %all be      
treat$ z incurr$ = m$ical c>e4  4  7d7  
,effective dates  7#a7 ,di/ributions f  
heal? sav+s acc\nts ,! am5dm5ts made by 
subsections 7a7 & 7b7 %all apply to     
am\nts paid aft] ,decemb] #ca1 #bjah4   
7#b7 ,reimbursem5ts ,! am5dm5t made by  
subsection 7c7 %all apply to exp5ses    
incurr$ aft] ,decemb] #ca1 #bjah4  #h4  
,c]ta9 am\nts paid = physical activity1 
fitness1 & ex]cise treat$ z am\nts paid 
= m$ical c>e  7a7 ,9 g5]al ,section     
#bac7;d77#a7 ( ! ,int]nal ,rev5ue ,code 
( #aihf is am5d$ by /rik+ or at ! end ( 
subp>agraph 7,c71 by /rik+ ! p]iod at ! 
end ( subp>agraph 7,d7 & ins]t+ 1 or1 & 

by add+ at ! end ! foll[+ new           
subp>agraph3  7,e7 = qualifi$ sports &  
fitness exp5ses4  4  7b7 ,qualifi$      
sports & fitness exp5ses ,section       
#bac7;d7 ( su* ,code is am5d$ by add+ at
 ! end ! foll[+ p>agraph3  7#ab7        
,qualifi$ sports & fitness exp5ses  7,a7
 ,9 g5]al ,! t]m qualifi$ sports &      
fitness exp5ses means am\nts paid =--   
7i7 memb]%ip at a fitness facility1     
7ii7 p>ticipation or in/ruction 9 a     
program ( qualifi$ physical activity1 or
  7iii7 safety equipm5t = use 9 a       
program 7includ+ a self-direct$ program7
 ( qualifi$ physical activity4  7,b7    
,limitations  7i7 ,ov]all doll>         
limitation ,! aggregate am\nt treat$ z  
qualifi$ sports & fitness exp5ses )     
respect to any taxpay] = any taxable ye>
 %all n exce$ #ejj 7twice su* am\nt 9 ! 
case ( a jo9t return or a head (        
h\sehold 7z def9$ 9 section #b7;b7774   
7ii7 ,doll> limitation on safety        
equipm5t ,! am\nt treat$ z qualifi$     
sports & fitness exp5ses ) respect to   

any item ( safety equipm5t describ$ 9   
subp>agraph 7,a77iii7 %all n exce$ #bej4
  7iii7 ,exclusion ( ex]cise videos1 etc
 ,qualifi$ sports & fitness exp5ses %all
 n include videos1 books1 or simil>     
mat]ials4  7,c7 ,qualifi$ physical      
activity ,= purposes ( ?is p>agraph--   
7i7 ,9 g5]al ,except z provid$ 9 clause 
7ii71 ! t]m qualifi$ physical activity  
means any physical ex]cise or physical  
activity4  7ii7 ,exclusions ,!          
,secret>y1 aft] consultation ) !        
,secret>y ( ,heal? & ,human ,s]vices1   
%all issue guidance to det]m9e =        
purposes ( ?is p>agraph :at does n      
con/itute a qualifi$ physical activity1 
includ+ golf1 hunt+1 sail+1 horseback   
rid+1 & o!r simil> activities4  7,d7    
,fitness facility def9$ ,= purposes (   
subp>agraph 7,a77i71 ! t]m fitness      
facility means a facility-- 7i7 provid+ 
in/ruction 9 a program ( qualifi$       
physical activity or facilities =       
qualifi$ physical activity1  7ii7 :i* is
 n a private club own$ & op]at$ by its  

memb]s1  7iii7 ^: heal? or fitness      
facility is n incid5tal to its ov]all   
function & purpose1 &  7iv7 :i* is fully
 compliant ) applicable ,/ate & ,f$]al  
anti-discrim9ation laws4  7,e7 ,programs
 :i* include compon5ts o!r qualifi$     
physical activity ,rules simil> to !    
rules ( p>agraph 7#f7 %all apply 9 !    
case ( any program or facility t        
includes qualifi$ physical activity 7or 
facilities !re=e7 & also o!r compon5ts4 
,= purposes ( ! prec$+ s5t5ce1 travel & 
accommodations %all be treat$ z an o!r  
compon5t4  7,f7 ,inflation adju/m5t ,9 !
 case ( any taxable ye> beg9n+ 9 a      
cal5d> ye> aft] #bjai1 ! #ejj am\nt 9   
subp>agraph 7,b77i7 & ! #bej am\nt 9    
subp>agraph 7,b77ii7 %all ea* be        
increas$ by an am\nt equal to--  7i7 su*
 doll> am\nt1 multipli$ by  7ii7 !      
co/-(-liv+ adju/m5t det]m9$ "u section  
#a7;f77#c7 = ! cal5d> ye> 9 :i* su*     
taxable ye> beg9s1 det]m9$ by sub/itut+ 
cal5d> ye> #bjah = cal5d> ye> #bjaf 9   
subp>agraph 7,a77ii7 !re(4  ,if any     

increase det]m9$ "u ! prec$+ s5t5ce is n
 a multiple ( #aj1 su* increase %all be 
r\nd$ to ! next l[e/ multiple ( #aj4  4 
7c7 ,effective date ,! am5dm5ts made by 
?is section %all apply to taxable ye>s  
beg9n+ aft] ,decemb] #ca1 #bjah4  ,pass$
 ! ,h\se ( ,repres5tatives ,july #be1   
#bjah4,k>5 ,l4 ,haas1,cl]k