Thank you, Mr. Trautwein, for both the spirit and substance of your testimony. Thank you.

I believe those can win consensus.

I don't want to live in a country where people are turned away under those circumstances.

Healthcare out-of-pocket costs for Americans have risen about five times as quickly as wages have risen in the last decade or so.

Americans feel very strongly about the sanctity of the doctor/patient relationship, and I believe we should do whatever we can to preserve and enhance that relationship.

I think he articulated the consensus of what Americans want when it comes to change in health insurance.

It is my intention, along with my friend, Mr. Kline, to try to draw upon each of those talents of the members of the subcommittee in the best way we can to produce ideas and a work product that meets the president's mandate.

I think most Americans understand that they want healthcare costs to eat up a smaller portion of their paycheck or their family wealth.

And I again want to thank the whole panel. I think this is great. And I feel an incredible sense of optimism from two things this week.

But we are not here to comment on the size of that loss. We are here because our hypothesis here is that, because the 401(k) system, the DC system, is in need of reform, the loss is worse that it would have otherwise been.

I am encouraged by the fact that I think you have extended an opportunity to work with the chairman and with all of us.