Talking about with respect to insurance is very different than the way this has been framed during the course of the dewait over the last year -- debate over the last year which is government takeover of insurance. this is not a government takeover of insurance, what it is is saying let's set up some baseline and then use market principles, the private sector and pooling in order to make sure that people get a better deal. so jim, and then what we're going to do is just move on to the next topic, but anybody who wants to pick up on what we've just talked about, obviously, can return to that as...