jim, let s go to you. if i am not misunderstood you are in that little nest of texas, austin x texas. does anyone have any idea how much obamacare will really cost? merry christmas to you, eric, from austin. it is a liberal nest. i think charles is a smart man, but he is about three and a half years too late. the affordable care act itself , obamacare itself was a bailout to the private insurance companies. they were losing premiums because employers were pulling out, dropping their insurance plans and this health care act pulled millions of people into private health insurance without a counter bailing government option. i actually think the direction that wayne pointed out would be a great thing. we do need single payer in this country, but conservative forces did not allow that to happen. wow.