Susan Collins actually said...

"do you think that it would be helpful if the Federal Government were to provide some initial seed money to help States establish reinsurance funds or reinsurance pools in the short term?"

"Given the savings that reinsurance can provide on the premium side, do you think that it would make sense for the Federal Government for a brief period of time, say a couple of years, to provide some ..."

"Is it not very difficult to produce savings from innovation in the very first year that you try a new approach?"

"I am not suggesting that the Federal Government should dictate how it is set up."