happen if congress took no action with regard to the individual market. could you give us your answer and as far as what you would see happening to the individual market if we do nothing? >> i appreciate that, and i appreciate the opportunity to come visit you, we had a wonderful conversation about the many, many different areas. the american people know this. they appreciate that the individual and small-group market where many of the millions, as the chairman pointed out, gain their coverag coverage, is breaking in many, many ways. we are in a downward spiral on being able to provide individuals the, any opportunity at all, so one-third of the counties in this nation have just one insurance provider. there are five states that have only one insurance provider. the premiums are going up for folks, the deductibles. i get calls almost weekly from my former fellow physicians, who