speaker, that the health insurance plans, these big insurance companies like aetna, blue cross, cigna, do you think they would have agreed to cover people with pre-existing conditions at standard rates if they had not been given this deal? they went over to the white house and you -- to the white house a year and a half ago, mr. speaker, along with the american medical association, the american association of retired persons, and big pharma, and there was a deal for everybody, mr. speaker, and that was a good deal for the y alth insurance industr because they were going to pick up all these adigal people who were going to be forced to purchase health insurance, and not only health insurance, but they were going to be forced and are going to be forced to purchase health insurance that has first dollar coverage. you think there's any plans ultimately to expand health savings accounts, let young people who are healthy as the judge pointed out in taking care of himself and exercise, do all the right things to buy the insurance policy they can afford. one with a high deductible but a low m