sense in your mind. if you force younger healthy people to buy insurance, you ll force more money into the pool to pay for the older sicker person. the problem is that doesn t work. it doesn t work in practice. it s not working now. it s in a death spiral. here s our a etch pro. we think the smarter way to go is to open up choice and competition, let more plans be offered, people buy what they want and that s why we are big believers in state based risk pools. by having federal financing to help states set up risk pools where you actually cover the catastrophic costs for people who have catastrophic illnesses, people with preexisting conditions, you directly cover those expenses so that person with a catastrophic illness doesn t go poor when they get sick, but also by covering it directly you re taking that cost out of the other pools. you re dramatically lowering the price of health care for everyone else. so that it s affordable for everybody else. we think this is a smarter way to g