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Paper in archives of internal medicine where we described a model called embrace. it had three tiers. first is basic access protection of life and limb. we really would have to work fairly hard to say what are the boundaries? what care was everybody else? preventive care, primary care, crisis care? maybe then there is stuff you should have a co-pay or deductible because it's somewhat discretionary and then there might be level of care, elective procedures, cosmetic and so forth. >> mike: but somebody has to make the determination. >> right. >> mike: who is qualified? the federal government? un...

To fail. we also should be dealing with the regulations, making the laws and not leaving it to the regulators. when this happened in 1929 we passed a whole series of legislation, glass-steagle act. it worked for 50 years. we started chip away at it. got rolling in 1999 when we did away with glass-steagle. we need to make sure we don't have anything that is too big to fail. professor simon from mit pointed out the top six banks are 67% of the gross domestic product. 15 years ago they were 17%. two banks goldman sachs and morgan stanley that have never

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