offer free preventative care, so a lot more people are probably going to be seeking out doctors. simply not enough. there's a model in massachusetts to look at to see what happened there. what we have found in the past couple years, waiting times have gone up in massachusetts probably for this very same reason. if you look through the bill, there are incentives to create more primary physicians, paying them more, helping pay off student loans. they're also banking on these community health centers, not hospitals but clinics that might be able to take care of the simpler, less urgent needs as well. it's a potential problem out there on the delivery side of things. >> next question this morning, sanjay, comes from jones in new jersey. does the elimination of lifetime caps under the new health care bill apply to existing policy holders as well as to new insurance sign-ups? >> the short answer is yes. we were looking that the very carefully, and within six months that should happen. there should be no caps over a policy's lifetime. now, if you look at the language
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