bo boogyman or the scapegoat in this battle it's the health insurance companies to the point. they have had a target on their backs from the very beginning almost. constantly mentioned in the president's speeches as the one big block to fare. how many times have you heard people denied coverage, in one of the president's stories in a hospital bed and surgeon's room. needless to say not a good time to be in the health insurance industry or dealing with this or to hear some tell it with with the legislation being considered and potentially becoming law to be a health insurance company at all. because the costs are going to be severe. with me now is jake go geller, the healthnet ceo. good to have you. >> good to be here. >> neil: this looks like, jay, it will happen. i could be wrong. i've been wrong many times,