>> i think the employer mandate, regulatoryly it's difficult. what's happening anywhere, before obamacare is a breakdown in the employment based system and moving away to an individual marketplace. and at the heart of what obamacare does is makes it more likely that you'll have that individual marketplace. which i think is the best way to go. i think it's very difficult -- >> how do you pay for it? >> the problem becomes how do you pay for it? if you forced everybody into it, that's one thing. >> well the problem is always how to pay for it. one of the great applause lines in health care debate is high quality affordable health care meaning i'm going to give you the best possible and you don't have to pay for any of it. what's happened to the employer based and you can see it with high deductible health care plans those numbers are going up. and the hsas, the health savings plans are embraced both by democrats and republicans and more and more, you knee, i think you're going to see...