test on this. >> the requirement is in the amendment is that the states have to justify it in one of five ways, one of them would be providing access to people with pre-existing conditions, but that's not a requirement. they could also justify it by saying i'm lowering premiums for everybody. >> what state is donovan from? >> he's from the state of new york, sir. >> good. how do you think new york is going to go down that road? right? that's what i'm saying. last time on the financial crisis, we let the federal government say banks don't have to assess risk anymore, right? banks can't do banking anymore like you are saying on the insurance here. we had a housing collapse ruin the financial markets. now the federal government in its infinite wisdom is going to weigh in and say insurance can't do insurance and you have to charge the same prices for everybody. it's already in the ditch. obamacare failed. and so what we're trying to do is fix the insurance system and still provide for everyone with