don't know where it comes from and how much will be paid for by decreased insurance premiums. >> i think he's saying it will come from the $2 trillion. there are about $500 million that is coming from efficiencies that the bill is preparing for medicare and other sort of federal spending. there are fraud, waste, and abuse that could be cut down. both parties agree on that, and on top of that they want it to accomplish the lowering of health costs over time and they've got a lot of experimental programs in there that would basically be delivery system reforms, and other efficiencies in the system. so, hopefully those will all work out. however, this is where the cost estimates are very conditional. even if the -- the cbo comes out and gives the exact same numbers that they gave for the senate bill, we still don't know if that's true. not because the cbo is necessarily wrong, but because the realizing of those numbers will depend a lot on political will. will the lawmakers actually stick to the laws that they are writing. some people are saying some of