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So those other 36 people in that small business have predictable prices, lower prices. that brings you more choice, more competition, and lower prices for the vast, vast majority of americans who are not in existing condition category. so directly subsidize them through state-based risk and reinsurance pool programs that we would finance with support from the federal government to attack this problem and let insurance stabilize. go down in price. here s another thing that we think is extremely important. one of the problems we have is we don t really have a consumer dynamic in health care. people don t always care what things cost or how good care is going to be, because they don t get that information. we actually immunize or block the ability for people to actually see what things cost in health care or act like a consumer. let me give you an example. jana and i have three kids. they are 33 months apart. ....