caller: our insurance commissioner, osmgen hediner said he sent a letter to kathleen sebelius saying that georgia would not participate. i'm one of those people that needs insurance because of preexisting conditions. is there -- is the federal government going to take that over? guest: yes, sheila. you're right. he was the first commissioner to come out and say he would not go along with the high-risk pool in his state, sort of another aspect of the states' rights opposition we're seeing in a lot of states which has mostly taken, manifested itself in people saying they're going to sue about this mandate that's in the law, the mandate that everyone carry insurance. when the insurance commissioner came out and said he would not help in setting up the high-risk pooght, kathleen sebelius said the federal government would be able to do that for the state, that there is a provision in the law that high-risk pools, states will not be left without them just because their state is refusing to cooperate. there is going to be everyone more of a problem with states not being cooperative when it