you do? what do you say? >> no, i'm not seeing any difference at all, whether the house bill passes or the senate bill passes. the same problem is still in effect. people cannot afford to access the healthcare system because the out of pocket costs are too high. until the legislative process or legislators really come to grips with having health insurance doesn't equal access to quality healthcare, we're not going to get a change in this. that's a problem. >> neil: on the private market side and the public, the government side with obamacare, what have you, you know better than others. the premiums have been increasing, the out of pocket payments have been increasing for all types. do you see anything on the horizon that could reverse that or is that just a supply and demand issue here? >> actually, in the free market side where there's doctors that are making direct contracts with their patients, we call direct primary care practice, there's a different approach. it's much cheaper. we're in a position now where