isn't working. it certainly isn't working for folks in the individual and small-group market. you've got premiums that are up significantly. they were supposed to go down by 2,500 bucks, now they're up more than 2,500 bucks on average. you've got deductibles that have escalated from $6,000 to $12,000. you've got states where there's only one provider, insurance provider, carrier. you've got one third of the counties in this country where there's only one insurance company carrier. this is maybe working for government bhaib working for insurance companies, but it's not working for patients. so what we need to do is an effort so try to reconstitute the individual and small-group market. and that happens, i believe, in providing stability in our conversation and tone. one of the goals i have is to lower the temperature in this debate. is to say to those providing the insurance products across this country, we understand. we hear the challenges that you