i have had personal experience with insurance companies, bluecross blueshield, for one, when i had to have a cataract surgery. they decided i couldn't have it done in the hospital, even though my doctor wanted to do it in the hospital for various medical reasons. some clerk in their office said, no, they weren't going to allow that, and they overruled my doctor. i'm concerned about that kind of thing happening when you have so few. i'm wondering if there are going to be antitrust laws to keep these few from becoming one and an og opposely and two, from having too much power from the insurance providers. >> well, what you're describing is what's happening right now. that insurance companies are very often overriding doctors' opinions and making decisions based on insurance coverage instead of clinical judgment that the doctor would like to bring to bear. that is happening right now. we believe that moving toward the system that we've envisioned, there will be less of that, and, in fact, doctors will, we hope, regain some of the autonomy and authority they have had to give up. but the a