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Were two big problems. one, there was a huge wait list for them and, number two, they often charged really high premiums. i remember speaking to people pre-obamacare about the struggles they had with the high-risk pools. some of the republicans are talking about, well, we'll put more money into it so they will work better but a lot of experts think it just doesn't work. the whole thing about a pool is that you're supposed to spread the risk around. that's what insurance is, right? people of varying risks coming together. that's why insurance works, so to have a pool that's just people who are ...

>> neil: amazing, amazing. all right. you guys are the lawyers. i'm just the average american saying it's nuts. thank you very much. after the downgrade, now we're getting -- more than a little bit of wondering. ripping the justice lawsuit. it's not about going after credit ratings agencies that the government said contributed to meltdown but punishing a firm that had the nerve to knock america's aaa credit rating down. charlie says they have a case. >> i mean obama has shown a pension for doing this. there's problematic emails, they sent bad emails. >> neil: they all are problem matic. >> t...

Communication. you made some great points there. there needs to be an efficiency in communication and no duplication of servicings. i have a problem by the way rewarding quality. let me tell you what it is. i love the idea of being paid if you have a good outcome. what if i'm a doctor and patient doesn't do well. god forbid they die. i shouldn't be paid for that? what if in a situation where i'm only rewarded for quality, you know what happens, heather? i will cherry-pick my patients. i will get paid more by taking care of them. you can't fix the problem by rewarding positive outcomes. that is...

Then you have the president saying nobody called him a felon. obviously that is problem matic. problem line is a lot of questions could be answered if mitt romney would be transparent by releasing tax returns. >> now you're giving me talking points. that is not what we're doing in this segment. this segment is about whether truth matters. trust me we're about to get to the romney campaign as well. whether truth matters whether with the president owes us a duty to be honest. if he is going to make a charge, does he need to stand up? bill, you used to work for a president, republican. >> general...