exchanges and they find out it's a costly endeavor and they're not able to afford it. they are passing this off onto the federal government and they're trying to set up the exchanges. the fact of the matter is we're just dealing with the website and it's failing miserably. >> let's say you're right. some say that was their goal originally but they gave up when there wasn't much political appetite for it. how do we move from failed exchanges to the united states government if people have had it with exchanges and government? >> well, i mean, we're at a teetering point right now where people are trying to decide what is the role of the federal government and our health care system. and what you're finding is that in our previous system with third-party payer system it had problems but 85% of the people were happy with it. now we're moving into a system where the government is picking up a lot of the tab for healthcare and it's not working. the insurance companies have retrofitted their operations to