or let's turn to the american action forum director, deputy director tera kneel hayes and she says, i think that really would be the definition of a death spiral. or we can turn to the former c.b.o. director douglas holtz-eakin who says, what that will do is allow insurance to offer cheap policies to young invincibles. and on the exchange a. going to get all the sick people. and he continues, he says, that's a recipe for meltdown. you split the risk pool into two exchanges, and he say, and i think it would also be bad politics. i'm not concerned about the bad politics. but i am concerned about those folks that i have been meeting out in rural america, out in red america, because they are coming to my town halls and they are saying, stop this diabolical plan. and the cruz amendment only makes it a lot worse by creating the fake policies for the young and healthy, the young invincibles and the death spiral insurance for everyone else. so, someone can stand up here and speak glibly about this is going to fix job creation in america, but what it really says is health care for the wealthy,