You know JR I have a feeling that we are going to see some real shaking up in the insurance industry. If more states move to a single pay system like NY and VT are proposing this could give health insurance a real run for their money. It could affect life insurance companies and other insurance providers in a profound and unpredictable way Say there is a better alternative to health insurance, less over head and cheaper rates, but you have to fund your own insurance for major medical and disability. I could see rates for workers comp and stuff like that skyrocketing for businesses. Not because the amount of claims increase but because the risk changes. Any thought on the Insurance industry?