it rise something because there's no competitive forces and there's no connection with overutilizati overutilization. the age old joke is, why do people come see you. they come see you so it's -- it's cooler in my office in the summertime than anywhere else in town. and it doesn't cost anything to come in and see you. that's an extreme example and i don't mean to say it applies. but the point is if you have market forces, and if you have a need, we're not promising a medicare that's like today tomorrow. what we're promising is quality health care that is affordable for you that is not rationed from washington that both you and your children can afford. and we're also saying, if you're 50 today. you're probably going to -- if you're 50 today, you're probably not going to receive medicare until you're 66 or 67. we have a slow incremental increase in the age of eligibility associated with that. but the point being, can you allocate a resource better than we're doing it today? and there isn't a study out there that says we're allocating resources very well. every study says we're allocating them terribl