The gentleman could not be more correct. And those are very, very common. Along the same lines, we often consider America to be the country of entrepreneurs. We know the statistics are clear, the evidence is there, the polling has indicated that tens of thousands, perhaps even hundreds of thousands of Americans do not begin their own small businesses because they fear that they will be unable to get insurance. They don't want to leave the big corporate family. I know a specific fact of a fellow that worked at the university and wanted to start his own business. He and his wife wanted to start their own business for 10 years, and yet with small children and she with a preexisting condition, they did not do so. And so that entrepreneurial spirit was stifled by the insurance system we have in America. Under this legislation they will be able to get insurance, either directly with an insurance company or as soon as in this case the State of California develops its exchange, which is a pooling. You talked about this when you spoke earlier. And we really ought to have a better discussion and a more thorough discussion about the exchanges, which is a method of setting up a mechanism in which standard benefit insurance policies will be available from different companies, the information will be readily available, and the insurance companies will be forced to compete with each other on quality and price and availability.…
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