the nerdy things you used to do in school where she has a little sticky. this is one of the points. neil: zoom in on that. there you go. got it all highlighted and the other stickies refer to areas we are all getting screwed. that s right. because not everyone wants to buy. color refer to the degrees to which you are getting screwed. the green stickies what goes into effect right now. neil: where do colonoscopies go? page 13. expensive. that s right. neil: you are amazing. it is unfortunate because right now people have a choice of health insurance and in the future they are not going to and paying through the nose for many features they don t want. neil: great stuff. not great stuff but interesting. brings us to the poll question of the day. insurers planning up to 9% rate hikes. do you expect your rates to go up? log on to fox