0 sticking more people into a broken system. >> jonathan, at the same time, if you look at the average of what many companies are doing and what they're going to pay, we're look at an average of 9% in higher premiums in 2013. many people are taking the top shelf plans and cutting them ought. >> wal-mart, papa john's, the result of obamacare is destruction. that was obamacare's goal much his goal was not to fix health care. it was to destroy the last remaining advicages of an actual free health care system in this country. obama talked openly about his advocacy for single payer and we're seeing that play out in practice where every private option is literally snuffed out of existence. i'm more worried about even the health care itself. it's not only that we're seeing health care option go away, we're seeing doctors leave the practice and leave the practice of medicine in massive scale. health care in this country is about to be as good as the post office of the dmv. stay healthy. >> that's the thing. there is no medical -- we we can't certainly absorb it all. that's for sure. so this thing has not been thought through by the bureaucracy. it wasn't thought through by the people who wrote the bill. they didn't know anything. we've got idiots running it. now we're going to have to try to solve this in some way and it isn't going to be pleasant. some people are going to lose their jobs. that is for sure. and some people are going to get cut back and it is not necessarily going to be universal health care surfers. >> my last question to you, i want to ask you, do you think we'll see more americans, because they can't afford the higher premiums, just drop their own health care all together? >> yeah. i think we will. i think what tracy is saying about consultants, she can call it contract labor, i think that's where we're going to go with this system. i don't think you can argue that health premiums are going to go up because we did nothing for health care reform. there is no reason that a heart procedure in one hospital costs 50 times as much in another hospital. there is no transparency. we have not dealt with that. we only dealt with insurance reform. that's going to exacerbate the fractures. >> well said. everybody, great discussion. thank you so much. coming up, it's not just the fiscal cliff taxpayers should be bracing for. now there is al gore's climate cliff. plus a new plan to keep the lights from going out when the next sandy hits. that could hit everyone's electric k in 1894, bill. good times. never taking a bailout. there when you need them. helping millions of americans over the centuries. the strength of a global financial leader. the heart of a one-to-one relationship. together for your future. ♪