well, that was too much for eva bayh. so for him to say he's working for the people of indiana, he's not working for the people of indiana, he's working for corporations. he'll become a lobbyist now, which is what he was before. >> larry: what do you make of cnn's poll that shows -- >> i understand he's a very nice guy. >> larry: he appreciates all the compliments. a new cnn poll shows only 34% think that most members of congress deserve re-election. 51% say their own member deserves re-election. >> that's the problem, isn't it it. it's that everybody -- >> larry: they keep re-electing them. >> right. pork, we've got to get rid of that except for the project in my district. the politicians are no prize, but the people stink. they really do. >> larry: us? >> yes. not you and i, larry, and of course the people watching us, no, those are bright people. but i mean the others out there. yeah, because, you know -- >> larry: you said 70% of americans aren't crazy. you're saying 30% are. >> i don't know when i said that. >> larry

last month, senator bayh announced that he will not run for a third term. his reason?gress is frozen, bipartisan politics an narrow ideology. the people's business, he says, is not being done. i am pleased to have evan bayh at this table to talk more about the idea that he's been expressing since he made his dramatic decision and also to look at where washington is today, where the senate and the house are and where the president may be on specific issues. so welcome. >> rose: good to be with you, charlie. >> rose: first, health care reform. tell me where you think it's going to go, what's going to happen and whether you think the country will buy if they have to use the reconciliation process? >> i think there's a slightly better than 50-50 chance that a bill will get enacted and it will probably involve using the reconciliation process. the place to look there is the s not so much in the senate but in the house. it really is going to be a very close vote there and i think most americans, charlie... i... given my desire to work across the aisle with people, i think th

next up, senator evan bayh.and in washington and how washington is affecting the way wall street thinks. this is not more benefits at greater cost to your company insurance. this is not how does it fit in my company's budget insurance. this is help protect and care for your employees at no cost to your company insurance. with aflac, your employees pay only for the coverage they want or need. and, the cost to you - nothing at all. if all you know about us is... aflac! ...then you don't know quack. to find out why more businesses provide aflac, visit getquack.com >>> now the answer to today's aflac trivia question -- who won the ncaa tournament's most kwout standing player award in indiana's 1981 championship victory over north carolina? the answer -- isaiah thomas. >>> attention on capitol hill, turns from health care to financial reform today as lawmakers mark up banking committee chris dodd's reform bill. joining us for the rest of the show, our guest host, evan bayh, member of the banking committee. good morni

bayh. >> senator bayh votes by proxy votes aye. >> mr. menendez. >> aye. >> mr. >> aye. >> mr. brown? >> votes by proxy, votes aye. >> mr. tester? mr. kohl? >> aye. >> mr. warner? mr. merkley? mr. bennett? mr. shelby? >> no. >> mr. bennett? >> no by proxy. >> mr. bunning? >> no by proxy. >> mr. krapo? >> no. >> mr. corker? mr. demint? >> mr. demint votes no by proxy. >> mr. vitter? >> no. >> mr. johans? >> no. >> ms. hutchison? >> no by proxy. >> mr. gregg. >> no by proxy. >> the vote is 13 ayes, ten opposed. the measure is passed. >> let me thank all of my colleagues. i'm -- the votes haven't started so i'd like to stay and take some opening comments if members would like to make any opening comments. senator schumer? >> could we come back, those of us who can't be here can we come back and make opening statements? >> i'll be happy to do that tomorrow morning -- i'll leave it up to the will of the -- in the morning if you like. i'd be happy to do it then. anybody else who would like to be heard? we've got a few minutes. any members want to be heard? senator cork

yelp says the site relies on an automated program to bayh reviews -- weigh reviews and filter out the questionable ones. >> it's an exciting time to ride a bike in d.c. >> the comments that had lance armstrong and tony corn helps ser going back and forth. ♪ female announcer ] they make little hearts happy... ♪ ...and big hearts happy too. because as part of a heart healthy diet... ...those delicious oats in cheerios can help naturally lower cholesterol. [ cheerios spilling ] cheerios. how can something so little... ...help yodo something so big. try new chocolate cheerios with a touch of delicious chocolate taste in every bite. >>> a push to get more people moving on two wheels. the district is aiming for 80 miles of bike lanes. beth parker has more on the big expansion project. >> reporter: there is an ambassador of peru and ambassador of trinidad. dan is d.c.'s bike ambassador. how did he get the job? >> being willing to talk about how much i love buy cycles and i want other people to love bicycles. >> reporter: questions do he - why does he love them. >> invigorating. >> reporter:

and you sighted that perhaps as a factor in senator evan bayh's decision not to run. if you were looking at that today and advicing or tossing out advice for another incumbent senator like blanche lincoln from arkansas, what would you say? what would you say or do? >> well, i think it's a tough -- it's a tough situation. it's a tough situation here in arkansas. i think the general since for most people is to really, i think, come out and pick some issues, some strong issues that you think are important to people, run a public campaign and try to say let's not get caught up in the politics of partisanship. i think senator bayh did strike a cord in a lot of people where he said there's too much partisanship here. we have to move to get things done. that means the people who want to stay in the senate and get back what's happening, they have to echo that's where they personally are. they have to pick a couple of big common sense issues and really drive those homes. and third, i do think they have to say the republican don't have any answers other than no. i do think what

there has been a great tradition of these kinds of books and i think 2006 or early 2007, matt bayh from the magazine wrote a piece basically saying that this genre was dead four that you just couldn't write these kinds of books anymore in an era that was as he said being covered excessively by 24 hour cable news or logs that had much more guarded candidates and campaigns. clearly your book as you said is a counterpoint to that are co-what were the challenges though of writing this kind of book that is going to be one for the history books but also one that that is being written soon after the election in this kind of era? >> well, it is a great question. the first challenge is to find a publisher willing to buy the book because for a number of years, this genre went out of favor with publishers for exact reason you are suggesting which is that at a time you got to the end of a campaign, people felt they knew everything there was to know about it and in many ways they did know everything they needed to know about it are co-and so, for a wild publishers were very gun shy. i know i approac

evan bayh, he's retiring. a couple of house seats there.ll of those things put imperative on democrats to do two things. one is to talk about it and demonstrate to voters they're focusing on it and the second, to figure out what tangible things they can to to help. you saw some of that with the president and his mortgage modification program today which is targeted twarkd people who have been out of work. you saw that in the tax credit bill, which is targeted to people out of work for 60 days. more to come from the administration and congress on things like green jobs. president obama has talked about that and pushed that issue and you've also got the stand-off over unemployment insurance and extending health benefits where democrats are saying republicans are still trying to block it. all of those kind of discussions as well as financial regulation reform are ways democrats can push the economic issue and they need to because republicans are still likely to gain seats, maybe a lot of them, contessa. >> we'll be watching for action and move

and our guest host, banking committee member senator evan bayh. finally, st. louis fed president jim bullard, a rare interview about the economy, and the power of the fed. a big session of skwk and we'll see what markets do today on this historic morning, ross. we'll see you in about 11 minutes' time. >> we look forward to it. thanks, carl. have a good day in d.c. >> okay. >>> well, tiger woods is returning to golf circuit next month at the masters. but after the recent scandal surrounding the biggest golfer in the world he's admittedly a little nervous about getting out in front of the crowds. before we go to break have a listen to what he had to say in an interview he did with espn yesterday. >> i don't know. i don't know. i am a little nervous about that toish honest with you. >> how much do you care? >> it would be nice to hear a couple claps here and there. but also i hope they'll also clap for birdies, too. hi, ellen! hi, ellen! hi, ellen! hi, ellen! we're going on a field trip to china! wow. [ chuckles ] when i was a kid, we -- we would just go to the -

i think evan bayh has sounded ever since the massachusetts senate race when he decided that the health effort was too ambitious and decided not to run for re-election that maybe it's too rich for his blood. so he may be a no vote. there may be some more no votes. but democratic leaders tell me they've got at least 53 votes for reconciliation. the question is how many amendments are republicans going to insist on votes on. the democrats are counting on the fact that president obama's going to sign the senate bill probably tomorrow as taking some of the steam out of the sails of the opposition since it will already be enacted into law. >> john harwood on his way to lunch at a french restaurant. >>> now, the s&p health care index is getting a boost today from health care bill's passage. up about 4%. so will health care stocks continue to get a lift from the new legislation? where should you invest? how do you play this whole thing? let's go to carl mcdonald, managed care senior analyst for oppenheimer and president of capital street, a health care policy consultant firm. i'm so proud of m

in indiana retiring senator evan bayh is giving a million dollars to his campaign war chest to the democratim. u.s. congressman brad elseworth who faces former democratic senator in november. in california former bush secretary of state condi rice endorsed former hewlett-packard ceo carly fiorina. and breaking news out of maryland right near here where former republican governor bob ehrlich wants his old job back. he's set to announce he's going to challenge democratic incumbent marty o'malley who beat him four years ago. [tv set] hey, i've been paused for 20 minutes. the wasted energy isn't pausing, that's for sure. when i'm paused, i waste energy. as much as $200 a year. enough to buy a few new video games. hit "save," turn off the console and save a lot more than the game. where's the ref? [announcer] learn to speak the language of energy efficiency at bgesmartenergy.com that's a penalty. delay of savings. >>> incidents of threats, in person or over telephones or through other communications devices have given great concern to members for the safety of themselves and their families. >> w

in indiana retiring senator evan bayh is giving a million dollars to his campaign war chest to the democrat he hopes will succeed him. >>> in california, former bush secretary of state condi rice has endorsed form or hewlett-packard ceo carla fiorina. >>> and breaking news out of maryland right near here where former republican governor bob ehrlich he wants his old job back. "hardball" returns after this. has a healing touch. there's a factory giving old industries new life. and there's a train that got a whole city moving again. somewhere in america, the toughest questions are answered every day. because somewhere in america, more than sixty thousand people spend every day answering them. siemens. answers. >>> incidents of threats, in person or over telephones or through other communication's devices. it's grave concern. >> welcome back to "hardball." house majority leader steny hoyer you just saw him there, he says he's concerned at least ten house members have received threats, serious threats, some of the ones that you know about already. death threats to members, smashed windows in mem

i have spoken with evan bayh. as you know, he is leaving congress.certain extent, he is one of the more moderate democrats in congress. i think he himself feels stymied. his decided not to run for reelection in indiana. i know that he and lindsey gramm, a republican, have written a letter to the leadership of congress and asked them, "cannot we have monthly meetings were we all get together and have lunch and talk about our issues -- immigration or whatever it might be?" members of congress do not get together as a body. they have the republicans meet in one room, the democrats meet in one room, and never get together. all they do is fight on the floor. the time when they used to go out to dinner or socialize with each other -- they do not do that anymore. a think to some extent that does reflect the larger world. i think we probably can to socialize with people who agree with us, and i think the media has become -- i am a journalist. i have been a journalist my whole life, and i am concerned about what has happened in the media. i am very concerned.

thanks to senators jim risch and evan bayh, that letter secured 72 signatures in just ten days.applause] unfortunately, what we heard back from the arab world, however, illustrated their rejection of israel one more time, silence. and more silence. [laughter] senator, in tough times, and even when it is easy sailing whether it is between countries or individuals, it is friendships like the one i am so proud to have with you that sustain us and helpless make us who we are. [applause] >> i will always be grateful to bury for reaching out to me for helping me to gain a deeper and a better understanding of the issues that i care about and for helping me see the important facets of the u.s. is really alliance. my friends, it's true relationships matter. thank you very much. [applause] ♪ >> ladies and gentlemen, please welcome aipac national board member michael. [applause] stomach it was a sweltering hot and humid day more than 90 degrees as it usually did on the days like that, emanuel decided to take a shower to cool off. but this time it was different. as the 21-year-old student s

this seat with evan bayh retiring, the democratic senator from indiana, a lot of people thought hillht waiver. in the statement he just put out in the past bit, he says he likes the cost of this, he likes the fact that it covers more people and he will be a yes. that is consistent with the vote that he cast last fall. and that's somebody that nancy pelosi really needed to have. >> neil: well, it got you here, chad. can you update me on the stupak drama and what it means? they say it was a scheduling issue. the planned press conference is still going to happen, it's just delayed. others are reading into it that maybe the pro-life crowd has been shut out of this thing. what is going on? >> it's a little muddy. what happened last night was that we were hearing that stupak was going to work out what we call up here on capitol hill "a sidecar bill." it would be a bill that literally would have had an up-or-down vote on the stupak amendment, not part of the senate passed bill, which the house will wrestle with tomorrow. this infuriated a block of 40 pro-choice female democratic members. th

this legislation is the iran refined petroleum sanctions act sponsored by senators lieberman, kyl, bayhthough iran is replete with oil as you know, they have trouble refining it. they import 45% of their gasoline. the iranian people have a lot of cars. they want and need gasoline. our bill says that any country that exports gasoline to iran or helps them refine, helps them refine their own is barred from doing any business with the united states, no gifts, and sort lutz. already, european oil companies that traffic with iran are beginning to pull out. even before legislation is passed. so several months ago we push to get this rod senate package which includes a petroleum bill and many tough provisions marked up by the banking committee. then we push to get it to the floor. things move very slowly in the senate these days. but, we told majority leader reid that the iranian threat is an issue that demands fast action and much to his credit he heeded the call. he moved this legislation to the floor and on january 28 of the comprehensive iran sanctions accountability and divestment act pas

former chair of the committee; chris bond former chair; the senator from michigan carl levin, evan bayh, roger wicker, mark pryor, james reich and ben cardin. jeanne shaheen is also here and kay kagan. let me say, mr. president that, these members have been extraordinary in my view. we have passed not one, not two, not three, not four but five fairly significant pieces of legislation in a completely bipartisan fashion. the bills that i'm going to highlight this morning have been passed by our committee by large and convincing margins. 18-0, 15-3, 16-4. we are very proud of the work that we've done. and my call to the senators this morning is to let's get our eyes off of wall street and get our eyes on main street. if we really want to dig out of this recession that we're in, created by a number of things -- failed policies from the past administration, a confluence of a crash of the stock market and the financial sector, poor regulation from us over time. but, you know, mr. president, the people that have really suffered are the small business owners that, unlike maybe large businesses

for linda, evan bayh has mentioned that he felt like the polarization in congress is a reflection ofolarization and chronic cultural divides in the country among the people. i wanted to know if you agreed with that and i'm going to ask you the question so you have time to think about it. i want you to help us understand institutional reasons why we have people that are so partisan in the congress. does it have to do with, say, the primaries? i just want you to think about that. linda, do you agree with that? >> that the country is polarizeç as well asç congress? i think there is something to that. i have spoken with efficient va. he is leaving congress. to a certain extent he is a moderate. he is one of the more moderate democrats in congress. i think that he has felt somewhat stymied. he has decided not to run for re-election. he's from indiana. i know that he and lindsey tpwraeufrpl, a republican, have writtenç a letter to the leadership of congress and asked th them, can't we have monthly meetings where we all get together and have lunch and talk about our issues. members of con

i'm joined in this effort by my good friend from indiana, senator bayh, and i again thank him for his this issue. you know, last year i reminded my colleagues about the current fiscal situation and i think it's important to again review the facts. the treasury department a week ago announced the government racked up a record high monthly deficit of $220.9 billion. we now have a deficit of over $1.4 trillion and a debt of $12.5 trillion and unemployment remains at close to 10%. the list goes on and on. and on tuesday, the senate rejected an amendment offered by senator demint. this amendment called for a moratorium on all earmarks for fiscal years 2010-2011. there wasn't anything earth shattering about that amendment. it would have shaken the -- it wouldn't have shaken the foundations of our democracy. it's simply the political equivalent of calling a time-o time-out. yet sadly, 68 senators voted against this modest proposal, including 15 from my own party. so i have no illusions about the outcome of this amendment. i've been around here long enough to see what goes on. but it doesn't

when you see somebody like senator evan bayh saying look back i am going to resign from the senate becausethere is too much partisanship, he has also taken a look at numbers here that are saying look, the public mood out there is about as tough for someone facing re-election in congress as i think i have ever seen it. i don't think it actually could get much worse. than to have disapproval in the 70s. again, if you take a look at this i party and look at the blue line, for a wild, democrats in the april, may, june period pretty satisfied. they served as up to 63% and then they trended down to 32% approval. if you look at republicans, republicans have not been happy about congress since they don't have either house and so they are not going to be happy, not a surprise. but independents mac also follow the line when they went up to 34 and they are down at 19. but even a majority of democrats are right now and not satisfied with congress. when your own party has both houses and you don't have a majority of your own party, that is also more-- likely to come out in this midterm election. then c

centerpiece of this legislation is the iran petroleum sanctions act sponsored by senators lieberman, kyl, bayhf. although iran is replete with oil as you know, they have trouble refining it. they import 45% of their gasoline. the iranian people have a lot of cars. they want and need gasoline. our bill says that any country that exports gasoline to iran or helps them refine their -- helps them refine their own is barred from doing any business with the united states. no ifs, ands or buts. already european oil companies that traffic with iran are beginning to pull out. even before our legislation is passed. so several months ago we pushed to get this broad senate package which includes the petroleum bill and many other tough provisions marked up by the banking committee. then we pushed to get it to the floor. things move very slowly in the senate these days. but we told majority leader reid that the iranian threat is an issue that demands fast action and much to his credit, he heeded the call. he moved this legislation to the floor and on january 28th, the comprehensive iran sanctions accountabi

i think that senator bayh did strike a chord in a lot of people where he said look i just think there's too much partisanship and we've got to move to get things done. that means people who want to stay in the senate and be back with happening they have to echo that is where they personally are. i think they have to pick a couple of big common sense issues and drive those home and third i think they have to say the republicans don't have any answers other than no. with the public is saying is don't take a turn and actually if you look at the congressional members under the republicans there were a few points worse so the problem is white turn to something that you know doesn't work when you haven't given the democrats a fair chance at turning the country around? and i think you have to do those three things as major elements of a strategy in what it's going to be. i think a difficult election. >> time for one more question. right here, yes. >> how much of the country are people going to be and when the campaign, since the campaign contribution limits have been thrown out the window do y

bayh. >> he votes aye by proxy. >> mr. menendez. >> aye. >> mr. akaka. >> aye. >> mr. >> aye. >> mr. warner. >> aye. >> mr. merkley. >> aye. >> mr. bennet. >> aye. >> mr. shelby. >> no. >> the boat is 13 eyes, 10 opposed. the measure is -- the vote is 13 ayes, 10 opposed. the measure is passed. >> i will be happy to stay anyone would like to make any additional comments. is there anybody else who would like to be heard? we have a few minutes. many members want to be heard? senator corker, no? the corker rule? if not, thank all members. the committee will stand adjourned. >> coming up later tonight here on c-span, arizona senator john mccain, who is running for his fifth term, holds a campaign rally with former alaskan governor sarah palin. that is at 8:00 p.m. here on c- span. today, antonin scalia and steven briar speak on the constitution. is it a living document? >> do not pretend this is a flexible system. on the contrary, it is producing what the constitution will produce, and that is rigidity. we have to deal with an organization -- we have to be an organization

that touches this issue i just raised with potentially assassination plot against president u reeb bayhrunning through spain. it's geopolitical with the concern that iran was projected its influence through spain and also through latin america. it's become a destabilizing force. and certainly europe is, know, tremendously important for our security interests, and if we have a nuclear armed iran, that's going to impact your area of responsibility. can you speak to that issue? >> senator, i find iran alarming in any number of dimensions. not the at least of which is, as you mentioned, increasing iranian influence throughout latin america and the caribbean, drawing on my previous experience. they're very active sponsorship of terrorism and pursuit of a nuclear weapon and ballistic missiles can which deliver such weapons. one of the reasons i think missile defense is particularly important and i think a concerted international effort to focus on the dangers of iran is well warranted. >> the administration recently made a decision about ground based interceptors and not pursuing that in the

. >> senator bayh i just add that in europe nato has established the center for cyber. it is and estonia which is appropriate since the suffered a severe cyberattack two years ago, and i think that is exactly as general mattis says, indicative of all these organizations reaching to build the first base and structures that can focus on this problem but i believe it is vital and it is something we think about a lot in european command a by know of a combat commanders to. >> thank you. i think it's vital, tobacco and proceed getting an update on that. >> thank you. senator hayden? >> at morrill, you recently discussed your concerns with me on cybersecurity and in the broad context how you view the best round as cyber sea and a recent paper that you offered i want to give a quote that really paints the picture of this sea for me to read you wrote the seas live right to are not of waves but of zeros and ones, optic fibers and rotors and browsers and satellites and servers. it's the cyber sea the global comment and it is on montana. too recent to sybil's i can think of comman

bayh need locally and readiness to go to bid as local financing capability in place.er states have similar rating systems? >> yes, mr. chairman. all states operate from that priority list that's part of the requirement and the framework of both the clean water and drinking water state revolving funds. in our case those numbers of increased quite a bit since i think the last time we provided you a list we now have over to wonder 80 projects on the clean water list. for about $2.1 billion the drinking water was to think as close to 300 projects as well so the needs are certainly there. we've rink those projects actually we don't, our partners with the minnesota pollution control agency ranks those clean water projects based on environmental and public health factors so that is the ranking that we follow and we work with communities to identify the ones that are -- have completed the preliminary planning work and will be ready to go to construction and that's the best we take and develop the intent used plan list from. if they reach a plan were the planning is done if th

this legislation is the iran refined petroleum sanctions act sponsored by senators lieberman, kyl, bayhyself. although iran is replete with oil as you know, they have trouble refining it. they import 45% of their gasoline. the iranian people have a lot of cars. they want and need gasoline. our bill says that any country that exports gasoline to iran or helps them refine, helps them refine their own is barred from doing any business with the united states, no gifts, and sort lutz. already, european oil companies that traffic with iran are beginning to pull out. even before legislation is passed. so several months ago we push to get this rod senate package which includes a petroleum bill and many tough provisions marked up by the banking committee. then we push to get it to the floor. things move very slowly in the senate these days. but, we told majority leader reid that the iranian threat is an issue that demands fast action and much to his credit he heeded the call. he moved this legislation to the floor and on january 28 of the comprehensive iran sanctions accountability and divestmen

i did not offer the cornhusker kick back, the $100 million deal for the state of nebraska to bayh senator nelsons a vote. i did not do the florida gatorade deal where people who are under medicare advantage a special deal. the 300,000 enrollees in my state better under medicare advantage have to pick up the tab. the list goes on and on of the unsavory sausage making that at least according to the "wall street journal" that was made as late as yesterday afternoon. the promise of the president was that there would be a change in washington. in fact, he said that c-span would be present at health care reform negotiations. instead, it took place behind closed doors with a cutting of special deals for special people. it was out and operate. the american people do not like that. -- it was out and out bribery. the american people do not like that. host: let's take this call from new york, james on the line for republicans. caller: good morning, senator mccain. first of all, i would like to say i voted for you and i'm very sorry that you were not elected. guest: thank you. caller: i have right no

i'm pleased to be joined in this effort by my good friend from indiana, senator bayh, and i thank him for his leadership and courage on this issue. i'm sure i don't need to remind my colleagues about our nation's fiscal situation, but let's review the facts anyway. just this morning, the treasury department announced that the government racked up a record high monthly budget deficit of of $220.9 billion last month. we now have a deficit of over over $1.4 trillion and a debt of over $12.5 trillion. i recently have seen a bumper sticker around arizona that says "please don't tell the president what comes after a trillion." unemployment remains close to 10%, and according to forbes.com, a record 2.8 million american households were threatened with foreclosure last year, and that number is expected to rise well over three million homes this year. even with all of this, we continue to spend and spend and spend. every time we pass an appropriations bill with increased spending loaded up with earmarks, we're robbing future generations of their ability to attain the american dream, and i beli

obligation to give it to them, and i'm pleased to be joined by my good friend from indiana, senator bayhthe next amendment that i'd like to discuss very quickly is that no funds from the past year facility fee could be used to construct bike storage facilities at airports. as many -- as many know, the passenger facility fees assessed on every ticket or any flight. currently, this fee is $4.50 per flight, and during these very difficult economic times for most americans, the bill from the house raises this fee to $7 and indexes it to inflation. it's frustrating but more frustrating is that taxes and fees make up as much as 25% of every passenger's airline ticket, and i think that most airline passengers would agree with me that they would see -- rather see more improvements to ensure faster travel times and safer departure and arrivals. the "atlanta journal constitution" reported earlier this year on january 14, 2010, that $1.5 million of passengers' facility fees were used for a, quote -- "function art project of glass panels laminated with patterns of tree bark." sounds beautiful, but i

record the relevant parts of the congressional budget office letter of november 30 to senator hevan bayhis point. the presiding officer: without objection. mr. alexander: the president said wait a minute, the premiums in the individual market will go down 14% to 20%. that's also in the same letter. and, of course, he's right about that, they go down because of administrative efficiencies and new enrollment, but he left out that there are other factors there that the government mandates will drive them up 27% or 30% or, in the end, the average, as the c.b.o. said, premium per person covered in an individual policy would be up 10% to 13%. now, the bill has subsidies in it for some americans. the same letter says about half of americans who buy in the individual market will get a subsidy. well, we are paying for that subsidy but let's concede that point. still, that leaves half of the people in the individual market for whom premiums will go up on an average of 10% 2013%. now, why -- my 10% to 13%. now, why is that? one reason is because the senate bill says people will have to buy a richer