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Airline and the municipality. and i think san francisco is self-insured, and this case will get settled. and the way that all civil cases get settled, it's a fight about money. unfortunately, that's how you get justice in a case like this, and the civil justice system, it's a fight about money. >> jeff, do you agree as well? >> i certainly agree with that. this is likely to be settled. but to create this image of the firefighters as incompetent villains here based on a tape that's been edited, as i understand it, by the plaintiffs' lawyers here. i mean, i think it's important to reserve judgme...

Same type of insurance they have had in the past or it will be more expensive for them, so it is unclear how people will feel about this. there will be some winners, there will be some losers. heather: for people affected by this, they will know what affects them once it affects them. is that really fair? >> the question of fairness you will have to leave the individual. there are people i know getting better insurance policies or for the first time getting insurance policies. they are happy. some who may be self-insured, self-employed all of a sudden paying larger rates are not so happy about...

Mentioned. the one thing to keep in mind as which the average public does not know is brokers are a free service, so insurance brokers out there, they are dedicated to their clients and they are helping clients to find out what's right for them. >> if you are a small business and go on one of these exchanges, you can get a tax credit, right? >> you can, but a broker can help you actually get the tax credit. and the irs has a great website set up where you can actually calculate or your broker can help you calculate what that tax credit would be for you and your employees. >> that brings up a q...

Shouldn't be doing like creating businesses. but whenever it's something along the safety net lines like social security, medicare, they have become very popular over time. i think the republican party is petrified the people will say, you know, it's about time they did this health care thing, and i'm glad we visit, because i don't want 40 million people sitting in the emergency room. >> well, right now there is a lot of people in this country either unaware of what the law is going to do for them, unaware of the exchanges that are going to be set up to interest self-insured, and -- or just te...

Along the safety net lines like social security, medicare, they have become very popular over time. i think the republican party is petrified the people will say, you know, it's about time they did this health care thing, and i'm glad we visit, because i don't want 40 million people sitting in the emergency room. >> well, right now there is a lot of people in this country either unaware of what the law is going to do for them, unaware of the exchanges that are going to be set up to interest self-insured, and -- or just terrified of this. the insured are terrified. premiums are going up double ...