also with us, and we're happy to welcome him back to the show, charlie cole, president of the committee for economic development. they represent a wide variety of major corporations in this country. charlie and the ced called fee for service a recipe for fiscal irresponsibility. and dr. dean, i'd like to start with you. how do we end up with a fee for service model in the first place? >> it goes back to world war ii. employer-based health care became a way of getting around price controls in the end of the war and war period. and doctors have always been entrepreneurs. the problem with that is when you charge by the service, as you pointed out in the opening, you get more service. whether you need it or not. so what i believe is if you want to control health care costs, you have to go to a certain amount of money for the patient and that's all you get. whether you do 75 mris a year or whether the patient doesn't come in. that will give you a budget to live with and a predictable budget, and secondly, it now all the people paying the bills pay for wellness. if you're just getting a fixed