things in the healthcare plan but this is heavy handed. >> cheryl: tracy, what they're saying basically is on the other side, they have to control the costs somehow. that is what the insurance companies say. >> who is controlling cost anywhere? the numbers are ballooning and it will cost us more. don't think it's not coincidental it doesn't kick in until 2014. already people are settled in the administration's staying where they are and pushing the agenda forward. jonathan is right. we are moving in an all-over takeover of healthcare. people need to sit back and prepare for it. >> cheryl: jonathan smiles because he's right. john, is jonathan right on this one? >> say that again? >> cheryl: is jonathan right. >> except for the part about the government takeover. i don't know why people warn of government takeover. you have healthcare and mortgage and student lending.