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universal coverage. now, some people who have health insurance and are sitting well in their own financial circumstances wonder why should i care about this? this doesn't affect me. this doesn't affect my family. . but the reality is that each one of us in this country pays a hidden tax right now of $1,200 a year so that people with no health insurance who go to the hospital emergency room and will be given treatment because those hospitals cannot turn them away, somebody pays for that care. and we all pay for it in the form of higher tax burdens and in the form of higher insurance p...

mortgage market, consumer markets, interbank markets, we brought down interest rates, increased the availability, and improve the functioning of the markets in those cases. >> the gentleman's time has expired. >> thank you, mr. chairman. and, chairman bernanke, you are left, and we are far to be right. one of the things that you mentioned in your testimony was about regulatory reform. and you had a bullet point there, and one of those bullet points was enhanced protection for consumers and investors in financial dealings, and then on page 8, you said "we are expanding our supervisory...