vesture. i would like to thank carmen for your wonderful common spirit a few things on health care. the book that i wrote with john cogan, it is also small. if it's in a stocking. it is about value. talk about cost. really it is of value. every reason to believe we are not getting value right. costs are too high from a value perspective. ramesh ponnuru is also right on medicaid. the key issue is less the formula you choose and just ending co participation, in the states getting to spend other people's money. and pat, john and dan and i argued it almost doesn't matter what formula he said. stop the co participation in and go away ed. on adjustable-rate mortgages and interest only mortgages what we argue is that we ought to go back. we ought to go back to the kind of regulation that limits contracts. i have no problem with affluent people having any kind of contract award, but it was ironic that a wealthy person buying an apartment on park avenue in my hometown had a simple contract and many low-income families with some prime mortgages. that is not the way we do anything else in regu