the pre-existing condition raises the efforts in massachusetts and it happened in new york. every state that's done it, on a financial level, but-- >> and the consumer, the average individual out there. >> and the average consumer doesn't pay it. >> brenda: gary b. going to save money? >> well, look, i agree with some of sarah's assumptions, but the fact of the matter is, that's a very, very small percentage of the people paying health insurance premiums right now. you want out and ask 99 of 100 people in your health care costs going to go up or down in 2011, they're going to go up. toby, a few weeks talked about his premiums going up. my premiums went up so you know, right across the board. most americans-- for the reasons that matt talked about, the costs are going to go up. you know, jonas talks about, oh, okay, the consumer should pay a little more, i agree if it was a free market and i could shop you know and offset