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The blue they propose add 38% rate increase. could we see something like that after the fact, after the healthcare issue becomes law? >> neil, what i think youll continue to see is without a change in the system, healthcare costs will go up, so premiums will go up. insurance commissioners in individual states -- >> neil: the president said that wouldnt happen. quite the opposite. youre saying thats wrong. >> i dont think thats the case at all, the underlike premium costs are driven but underlyin...