mr. speranza if i could. i appreciate your comments about rochester, of course, in minnesota we have rochester, minnesota, which had been referred to a couple of times here. we're pretty proud of the mayo clinic and the work it's done there. some real collaborative work in changing things. can you comment -- do you have any more comments about reforms that were left out of the bill that you would like to have seen from your perspective such as strong medical liability provisions, things that would help control costs? your microphone, please. >> yes. i think a few things that i think would make the most sense are as i mentioned earlier liability reform is very important. we know practiced in a defensive. healthcare technology, but doing that with having nationwide standards, being able to actually implement that and to get the savings would be very important, wellness. with respect to the kinds of programs we've talked about, we would like to have more incentives to change behavior, not less. those are very im

mr. speranza. i want to call your attention a documented letter that was in the new england journal of medicine on june 4th, 2009, edition. it says that the insurance industry has ever $4.4 billion in investments in tobacco companies. the you have any comment on that? >> my first comment would be we with the first major change in the u.s. to stop selling cigarettes. >> i am asking about the industry. >> i guess i would say with respect to that, i haven't given that a lot of thought. insurance companies most likely have a fiduciary responsibility to do the best they can with their investments. i am not an economist. >> milton friedman said this. i do not often quote him but it is worth quoting in light of what you just said. he said few trends could so thoroughly undermined the very foundations of our free society as the acceptance by corporate officials, of a social responsibility other than to make as much money for their stockholders as possible, that is included in this article in the new englan