and you smoke a lot and you drink a lot and you're overweight and you don't exercise, and i live a healthy lifestyle, you know, should you and i pay the same insurance premiums? and i say no. i mean, it's very similar to auto insurance. you know, i get into a lot of accidents and you don't, i should probably have to pay more insurance than you do. so, that's the issue is whether people should be sort of held personally responsible for their wellness and for, you know, the lifestyles they lead, because lifestyle does have a lot to do with your health. >> stephen moore, before we let you go. >> yeah. >> as we continue to listen to this republican conference here, let me get your take on tax reform, because, okay, apparently, now they're back to health care, but a few days ago, it was no more health care, just tax reform. so, on tax reform, which treasury secretary steve mnuchin has said they want to get done by august, which is really, really soon for something so complex. here's the thing, only he really is in place to get this done, because none of the 27 other political appointees to treasury that need to be there to get it