mr. elemendorf, as good as he is, is wrong. and i have to say i have high regard for him.he's been honest. he's been straightforward. he has done a very good job in my eyes under the circumstances. we can all agree or disagree on certain issues. but i got to say, i think he approached these things as honestly as he can. all i can say i've had some experience in this area and i think what i'm saying here is true. but i'm prepared to vote on this. [inaudible] >> i just wanted to make a couple of points on this issue of whether or not the savings are illusory or true. we do have some fairly strong evidence that there are very significant savings here. 246 states have enacted limits on noneconomic damage. texas enacted limits and saw a 31% decrease in their rates. nevada enacted limits and they saw their rates go down significantly. ohio, same situation. mississippi, the same situation. california, of course, is the best example. they enacted a $250,000 limit and their rates rose less than -- rose at a rate of one-third the rest of the country and, of course, they are a huge e