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he looks like you. bob has a bad back. he s not been able to get insurance. his employer doesn t offer it and because of his back insurers don t need to get near him. he s expensive. back surgery costs a lot of money. he s not the best friend of the insurance company. so what s going to happen immediately like within the next three months is he s going to get to join a high-risk pool, which is sort of a fancy way of saying a group of people who get together and buy insurance. people in southern states might know there s place where you have wind pools for hurricanes, you can t get normal insurance but you get in pools because there s a lot of you and that s how you get the coverage. there are a lot of bad back bobs out there. they haven t pooled together before. this is a first. what s going to happen eventually by 2014 is that private insurance companies, the blue crosses, the aetnas, all of those people, they re not going to be able to say no to him. they don t like him, they ....