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Here, before you start adding in state and local taxes, so, theyre concerned about that and they want to know if in the end the savings they get from this program materialize and offset that. a lot of them dont know. >> brian: and from your analysis of this situation, does it make it better for the actual person who is using the health insurance? >> well, you know, one of the things at that democrats are going to be touting, if it were to pass, is that almost immediately, brian, as im sure you k...