dr. kavita patel, managing director for clinical transportation and delivery at the engelford center for health care reform. she worked as a senior adviser to valerie jarrett in the obama administration. all right, last night, i came on this program and we ran a clip, a package that said, you're not helping. and we talked about the mary landrieu proposal, which looks in many ways similar to what the president outlined administratively today. the problem is, it looks like it is going to undo some of the risk pooling that you need to make these exchanges work in the first year. is this good policy, as someone who is an architect of this bill? >> yeah, thanks, chris. this is a really problematic policy for several reasons. and i actually just talked with one of the mayor insurers, who had canceled a good number of the policies that we're talking about. and they said, you know, the president is putting the responsibility on us. however, you know, you have to understand, even if we wanted to offer back those policies, we're encouraging the younger people, who might want to take these older po