defenses of this bill. the pattern that i've heard from you and congressman cole when i talk about this provision, which is controversial, has people work the up. i just want to nail down what it does. the waiver is hard to get, i don't know if anyone is going to get the waiver, and the senate is going to take up the bill. none of those are affirmative defenses of the principle that insurance companies should be allowed to charge sicker people more, which is what now is enshrined in the bill you passed. >> no. that the state should have the flexibility to -- >> to allow insurance companies to do that. >> to set up products in their market that are appropriate for their market. >> that allow insurance companies to charge sicker people more. >> and there is a premium support mechanism in place if that does happen. do bear in mind we are only talking about the individual market for someone who has allowed coverage to lapse, that is, they are not in a continuous coverage situation, and they would only be in a non-continuous coverage situation for the year after which they get coverage. there's a 30% charge that is added to that.