companies, what do they say? this insurance marketplace in the individual market, when you have a third of the counties in the country with only one provider willing to offer the product that is there, that is a problem. now the goal is to have everyone with access to affordable health care, the president understands that. you can go back to the blair house health care summit, february 25, 2010. we laid out a private sector approach. the democrats laid out a government approach. we tried theirs, it didn't work, let's do something differently. >> the reason that republican leadership and the reason that the president of the united states is saying that obamacare is in a death spiral is because the ceo of etna said this, by the way he made $17 million and the -- health care ceos where they can deduct income over $500,000.