every year those insurance companies go to the best business schools in the country whether stanford r. m.r. t.? it is your nastiest, manus graduates so we can make them insurance executives? [laughter] or do think it is a different situation? which is they are in a very bad situation where the incentive structure that they are given by the way restructure the health care system is to do exactly that. i suggest to you it is the second. we have created an environment and a structure where that is the response so that they can make money with what they have to do. we have created the behavior we don't want. so you can either say get rid of them and i will tell you what i don't think that such a hot idea, or you can say we will have to change the incentive structure here and do something different. why don't we want to get rid of them? they have behaved badly, we all agree to that. believe me, when i have to fight about my claims i am absolutely sure that. but we need an organization which is going to provide information systems, is going to provide an infrastructure to bring doctors and hospital