. >> i see or have seen 3 stanek -- strands of arguments in your brakes. one of them is echoed today. the first strand that i have seen is congress can pass any necessary laws to affect those powers within its rights. because it made a decision to affect mandatory issuance of insurance, that it could also obligate the mandatory purchase of it. the second strand icy self insurance affects the market. and so, the government can regulate those who self-insure. the third argument, i see all of them as different. what the government is doing and i think it is the argument you're making today, what the government is saying is if you pay for -- if you use health services, you have to pay with insurance. because only insurance will guarantee that whenever means for health care that you have will be covered. because virtually no one, perhaps with the exception of 40% of the population can afford the massive cost if the unexpected happens. this third argument seems to be saying, what we're regulating is health care. when you go for health services, you have to pay f