. >> my name's chris unger, i'm one of the doctors -- [laughter] i'd like to take my scalpel to this whole problem, and i'd like to just cut it. let me ask, first, a comment for everybody. when the icd-10 system could perspectively come into existence, the impact on that as it intertwines with the declining reimbursement in electronic medical records could have another colossally damaging effect on this system. mostly what we're talking about is shortages of just about everything. and most of you know that there is now a very alarming shortage of oncologic drugs, and we see shortages of immunizations, shortages of nursing care. and we see this every day in our lives. i have a question. if there's a lawyer in the room, what would happen if following took place? an insurance company moves into the area of scranton, pennsylvania, and sells insurance without any mandates at all. pennsylvania has 53 mandates. these are those other mandates that don't get talked about. what happens then? they sell very low-cost insurance that has very high-quality and very high coverage that actually pays