I've spent eight years as your representative as Insurance Commissioner, and during that period of time, I had as my task the regulation of the insurance companies. And there are numerous problems in the private health insurance system today. Things such as what we call cherry-picking. If you have an illness or if you happen to be at the age of 55, you don't get insurance, because you have a pre-existing condition or you might become ill and expensive. There's such a thing as post-event underwriting, so if you present yourself at a doctor or hospital and the insurance company comes back later and says, "Oh my, we can't cover that because you didn't fill out the form properly and didn't tell us you had acne when you were a teenager." Now that happens to be a real story, a real fact.