mr. arensmeyer? >> that is correct, it is growing as part of the twenty-first century high-tech economy. you're absolutely right. the system could not be worse than it is working for them, directly or impeding economic growth. >> i am trying to decipher where the chamber is. at the end of your statement you talk about the chamber, time to reform insurance markets but you danced around the question about making the folks in the market participate or not. the question i want to ask is does the chamber support or not support an individual mandate? >> i would say we would consider that. >> wait a minute. you are representing the chamber, speaking on health insurance. i come from connecticut, we are surrounded by insurance companies. when you talk about reforming the market, the response is always fine, you have to have an individual mandate because otherwise you are creating a system of adverse selection and rates are going through the roof. the chamber is smart and experienced enough to understand that