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Penalized for not doing so, why is this then, if you will, not a penalty? >> well, you know, in tennessee if it walks like a duck and quacks like a duck its usually a duck. if you want to call it a fee, a penalty, a tax, its more money out of individuals pockets to have a desired behavior that the federal government wants. at the base, i think thats whats wrong with the plan. its a complete overreach of the federal government to do tell you what to do how and when to do it. its not what the amer...