where does the truth lie? if it is to save money and it is a good thing, why are people not buying into it? low bar. i understand that. i think the problem is it is a complex piece of work. and it s only partially in effect now. the biggest part, which are these health care exchanges for people who don t get coverage with can go to get lower priced health care insurance. that doesn t start until next year. if you talk to the people benefiting from some of the rules that are in place right now, families whose kids up to age 26 are getting coverage, people with pre-existing conditions, they re going to say very good things about it. look, like i said, there s a lot of moving parts. it hasn t fully kicked in yet.