system had to be supplanted by -- replaced by something else and i don't know how many of you read steven brills' knew new book. i think that he identifies the kaiser model as being the way out of the mess, where physicians and healthcare systems issue their own insurance product. they collect the premiums and they have the natural innocenttive to limit costs. of course you have to put in various protections into place so they don't unnecessarily limit spending, but i think the kaiser model is a very reasonable one. i grew up in southern california, in the '70s and '80s and we went to kaiser and we got perfectly good health care. some people advocate a single payer system. i don't see that happening in this country. what works in -- abroad doesn't -- won't work in the united states. i don't think. i remember one of my professors, who is teaching healthcare economics, was talking about the national health service in england and then someone asked him, why don't we just do that here. he is like, america is too different. in england they live in a rainy climate, they drink warm beer, they learn to