And you mentioned a recommendation for the adoption of criminal penalties for 'persons who construct and use a tunnel or subterranean passage' for illegal trafficking of drugs, guns, money, or people.

Well, that is helpful. Let me say that last month, you were over at the House Homeland Security Committee and testified.

The DOD and VA have taken crucial steps toward creating a Joint Lifetime Electronic Record (VLER), as announced by President Obama on April 9, 2009.

You publish information like A.C. Nielsen and others, and you go through this rigorous testing and this examination.

So in other words UnitedHealthcare would set the rate.

I do not, Mr. Chairman, but thank you for having this hearing. I think it is very informative and helpful.

And would you agree with me that by virtue of the change of ownership and the change in the structure of the database, then it does open the door for this inherent conflict of interest that we have talked about and also may add to the lack…

The database is provided for informational purposes only and Ingenix disclaims any endorsement, approval, or recommendation of data in the database.

So basically today before the Committee, you are telling us that your operation has not been transparent and has not worked in a way that it should for consumers. Is that fair to say?

Thank you, Mr. Chairman.

In our state, our state insurance department and insurance commissioner, he or she has a team of, sort of, consumer helpers there, a hotline or something that you can call and talk to them about this.