research all the regulations, fill out the forms, file the forms, deal with the bureaucrats, go through the audits and it wastes everybody s time. and you need regulations for some things. todd: right. you don t need to regulate every time you turn around. it s such a terrible burden. and insurance is one of the most regulated businesses there are. and every time we have to pay extra money for regulations, we have to raise our rates and itst does everybody money. todd: roger, thank you very much. another civilized discussion. you were talking about how on roseanne civilized discussion. we had had another one here different points of view. i m still worried about verma. i still don t know. i don t trust her. she gave me the stank eye. no, verma is great. back to you in new york. steve: todd piro in manchester, iowa north and east of cedar rapids. that s great: great discussion. time for news with jillian. jillian: good morning. good morning to you at home. let s get you caught up on h