because there's not time, we know what has when asia gets in and south america gets in, really too large to even discuss too far here today. but as you've heard most of our colleagues discuss today, many of us believe clearly that the regulation of insurance is a state's right, purely and simply a state's right. reserved under the states and the biggest violation of consumers that i've seen quite frankly has been by companies that write health insurance, for example, under arisa, every state except the state they reside collect premiums and don't pay claims because the federal government does nothing about it. it wasn't until states got together several years ago and crossed state loans for the first time in history to prosecute health insurance fraud. if we left it to the federal government they would be plunderring people in 49 states,