if they are going to my soil, if they go to a village to arrest unexpendable taliban fighters, they should be fair and they should do the same thing in pakistan. if they did not attack pakistan militarily, they should stop economic assistance. they should isolate the army. they can feel the heat and play this double game. >> the former afghan intelligence chief there. how should the u.s. proceed when it comes to relationships with pakistan? that is one of the major questions i posed to the former u.s. ambassador to afghanistan. i spoke to him from paris and asked him where the major focus should be done in years after the start of the war. >> the focus has to be on two things. one, getting a regional settlement, particularly between afghanistan and pakistan. as long as there -- if there is a century for those forces coming out of pakistan, this will remain difficult. -- as long as there is a sanctuary for forces coming out of pakistan. increasing the capacity of the afghan government to deliver in terms of rule of law, in terms of justice, and dealing with corruption, that is extremely imp

what we cannot support is putting tens of millions of dollars away, locking it up every year, unexpended, because that is the history. this economy cannot afford putting tens of millions of dollars of small business funds in accounts and spend -- unspent, especially in this economy. we urge you to allow a accrual basis, a rolling balance, better notification so that employees can access their funds without tying up tens of millions of dollars. supervisor chiu: thank you. next speaker. >> i operate the city club of san francisco downtown. i have 65 employees. i pay health insurance, dental insurance, disability insurance and eye insurance. we did not offer a surcharge to our members or guests, and i am in support of david chiu's amendments. i think we need to be going after the people that are using the loopholes in the system and not changing the whole business climate in the city to go to direct deposits. hra's work. my employees use them when they need them. i had five babies born in the last six months at my club, and everybody has been paid for it. thank you. >> hello. i own a third-

hospitals incur 60% of the cost of unexpended care because of the high cost of medical needs requiringhospitalization, despite the fact physicians and community clinics see more uninsured patients. in addition, being uninsured leaves individuals at an increased risk of actually amassing unaffordable medical bills, uninsured adults are three times as likely as insured to have been unable to pay for their basic necessities such as food and housing due to medical bills. there's reasons such as these we want to encourage the uninsured population to find affordable coverage. and here's the good news, what we're going to hear today. it is there. it is available. the question of accessing it and the question of knowing where to go and who to ask. joining us today are two experts on this issue who have looked into innovative ways that the states are helping their uninsured populations find affordable coverage. first, mr. phil lebherz committed to reframing the issues affecting the brokerage committee. in 2004 he founded the foundation for health coverage education, a nonprofit organization wit