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where i had it completely related to income and became convinced by the folks who do this on a day in and day out basis that the most predictive element of an individual's life in terms of what health coverage may cost is not income, it's age. as your age increase, your health care costs increase and the cost of the coverage increases. so they have pegged it to age. there is an opportunity to put some means testing in there, but that's not the most -- that's not the correlation factor to what it actually costs. age is the thing that correlates best. >> but age is also -- i mean, this is als...

He or she wants and they'll provide decreasing costs and choices for folks you make it so the system can be responsive to that individual. that's the way you drive down costs. >> why not means test the tax credits? why do it by age where you may essentially have it where you're incentivizing folks not to buy health insurance until they actually need it? >> it's a great question. in fact, i've been working on this for so long i've gone through the phase where i've had it completely related to income and became convinced by the folks who do this on a day-to-day basis, day in and day out basis, t...