idea of personal opportunity is really important and i agree with my colleague, congresswoman morris rogers on that. i think we can all agree on that. obviously, i think we have to do all we can to promote personal responsibility and when it comes to wellness i think that's absolutely critical. there's no doubt about it. there's a lot to like, i think, about this bill. certainly, i think wellness is a part of it. an important part of it. health i.t. is important as well was mentioned. i think a public plan option is the way to go and i'll ask dr. hacker about that in a second, dealing with catastrophic costs clearly that's something we have to deal with it, there's no doubt about it. and i could go on and on. i do want to pick up on the regional and geographic disparities question. i'm from iowa which may not surprise why i want to pick up on that. iowa as maybe everyone on the panel, maybe everyone not is consistently ranked at or near the top in terms of outcomes and deficiency, quality of service, all the rest. we're among the best if not the best. yet iowa and not just iowa but there ar