kirk: we ought to allow small businesses, for example the libertyville state insurance health plan, right now prohibited under law. we know half of all americans work for small businesses and many don't have a plan through their employer that will be included in our legislation. mr. dent: that's an important point. there are so many people out there who need coverage. you mentioned allowing employers to reach across state lines but the other issue to help the uninsured is you know employers receive federal tax rebates, that's beneficial to helping them provide health care coverage to their employees. that's a good thing. we want to protect that. it's about $-- about 16 a 5 million americans have insurance through their employers. what we should do is give the individual who lacks insurance, his employer cannot provide it or if they're un-- self-employed or on their own, give them the same kind of favorable tax treatment as an individual that we give to business. that would do a lot to help cover, particularly that younger population. mr. murphy: in addition it has to do with how they purc