but over in the senate, the senate finance committee and particular, max baucus, who is chairing theommittee at the time, put together what came to be called the gang of six. three republicans and three democrats that he handpicked. he chaired this little group with the idea, the hope, that some bipartisan legislation or reform legislation could be crafted and passed. it was a full's aaron from the beginning, obviously, but out of that, senator conrad, democrat of north dakota, proposed instead of the public option, congress should authorize funding to create these co-ops. i wrote at the time that it would be great if we had a world in which those co-ops could succeed, but it was just sheer folly to think -- and fantasy to think that could happen. it is because largely of what steffie said, they would have to to be with these very large for-profit insurance companies like the ones i used to work for. i know at the barriers to entry in any market in this country, what those barriers are. they are very, very high. unless you have incredible capitalization, they're just not going to suc