honeywell-- and then people start saying, wait a minute, i'm not going to open my wallet. individual and corporations. what is going to incentivize you to do stuff. >> we already know that people are cowering, it's not just banks and businesses being at fault. it's even individuals and individuals are seeing sitting on a lot of money in the country. the notion that you're going to deep your doctor, most chucked that idea. adam brought up we're going to be pushed and incentivized to go to the pools. and 3m, why not people pay someone 5 grand to get into a pool and let the government take the rest of the weight and things to come. like the corporations that every quarter have nonreport rush reports have a problem. >> this is potentially a road to what many americans did not want and that is health care and health snrns in the hands of the government pure and