bills in the senate, one is senator kennedy, contend-dodd and senate finance which is out of the baccus and grassley committee. i expect the senate finance bill will take a less expensive approach to reform. we will have pay fors in it and it will be more reasonable from our standpoint. but we are waiting to see. i think the senate is taking a narrower sort of approach on the employer mandate issue and public plan issue. not surprisingly we will see a bill likely out of the house out of nancy pelosi that is far to the left than we will be comfortable with. host: monty, the last call, independent line, knoxville, tennessee. caller: health insurance is not for profit, nothing will be solved. my husband and i -- my husband worked hard. we paid our insurance. i go to the doctor, i'm denied coverage. i take my sons to the doctor for a broken hand. it took two months of me calling every day for them to even start to pay the doctor and orthopedist to fix his hand. excuse me! that is not right. host: final thought from randy johnson. guest: i think we can get a lot of reforms that the caller is