people postpone the care they need. they don't get it in a timely way. we will see our emergency rooms being flooded once again, more than before, of people who can't get the care they need. they go to the emergency room when it is an emergency. hospitals will have to absorb this in some way. it becomes uncompensated care buzz you can't bill people who don't have the money. >> so, that's -- >> that affects our economy, no doubt, doesn't it? >> it affects our economy and cause everybody else's health insurance premiums to go up again. because when hospitals are in dire straits, as they will be, we'll see insurance companies jacking up the rates on everybody else to help keep the hospitals -- help them keep their doors open. it's really catastrophic. the thing that i found when i was on capitol hill during the health care reform debate is members of congress, in both parties, have such a -- their understanding of health insurance is so inadequate.