the amount of skin consumers have in the game. but the problem isn't just money. the problem is the way health care sectors compete. and i agree with steve completely, we have nonfunctioning price system in congress. their price system didn't make no sense is to remove the consumer from the equation. consumers don't exercise power through leverage. they don't have leverage in any market. the cell phone market or personal computer market or home building market. we never had leverage. people say in health care, they don't say anything else. it's a competition for consumers that drives good behavior. in health care, everything we've done is to reduce competition. >> this seems like a point of agreement where you talk so much about local monopolies and the lack of competition that the reason you can have this kind of price gouging, which you describe is because you have all these local monopolies. >> that's right.