policies consistent with what folks in the state want. if you want them in the health insurance market, give them policies designed for younger folks. if we give more flexibility in the essential health benefits states find themselves creating a path for more insurers to play in that market which will bring more revenue into the health care market and we as a nation will be better off when we have those folks participating in the marketplace. neil: senator, i always get worried when insurance companies are happy. no disparaging meant to insurance companies, having dealt with medical conditions, they can be rough customers. so when i see their stocks soaring and they're relieved, they're happy, i'm kind of not. disavow me of that concern. >> yes, as a patient, someone who will have access to health insurance, one of the things i would say is certainty and predictability in the real world of business is more important than good policy. my opinion is this policy moves us in the right...