mr. hummer, but i want to focus on the medicaid and medicare issue and the concern that we would need to point some costs savings through that. in california, new york, people get nervous about this, we looked at those costs. could any of you comment on that and whether or not -- she mentioned limiting itemized reductions for medicare and medicaid, that would be a place of picking up savings. do you have experienced enough, what are we talking about conlan and does that bring us to a question of whether the large states or small states, the competition is going to be such that both are paying essentially the same thing for that care which we know today is not true. >> if i understand your question correctly, let me answer it this way. it has been underway since the first of medicine reports and after a cooperative effort across the board in health-care to understand how it is that we address the system and quality problems because it is clear we have rollins and there are enormous costs linked to that. the bonet -- the estimate is that 35% of the money that we spend is for every year, fo

hummer brand. and h1, which was the original variation is even discontinued so these are smaller different versions. >> host: round rock, texas, good morning for david mccurdy. >> caller: good morning mr. mccurdy. i have a question. i am a self-employed. i tried to deal with chrysler finance to get them to go down on my payments, just to adjust them a little bit so i could afford to make my payments. they don't even want to listen to me. why should i want to give money to chrysler, chevrolet or anybody else when everything they are doing seems to be-- chrysler is going up on their cars. you have to have more money to put a downpayment on the cars. i am for u.s. cars that why should i want to help them when they don't want to help me? people are-- people should call in and let you know just how chrysler and other car companies are treating people that are being laid off. >> host: how much are you paying for your car and what kind of card you have? >> caller: i have a 2006 rangel. >> host: thanks for the call. >> guest: the domestic companies, chrysler and gm were white-- finance with the chrysler arm but now they have funds, gmac controls both of those and that is something that consum