to his name for expressing the human point of view on this as opposed to the robot viewpoint, they were all focusing on how well the system worked instead of questioning the whole system itself, weren't they? >> right, exactly. that's so interesting. talking about this moral hazard problem. as you said in the beginning this is why you do not structure these services. in a sort of interesting way, it's an argument for single pair health care. the whole thing is we have single pair firefighting. the reason is to avoid this kind of situation. we all pay our taxes. we all receive this universal benefit and there's a tremendous amount of sicience literature ad sort of comparative that show these are the structures that are most efficient that work best. social security is the same thing. we all pay in. we all universally receive the benefit. when you look at the health care bill, right, it makes you wonder about how we would design a fire department today in the face of right-wing obstruction and corporate interest because the