Emma, I don't think John Hardley has yet answered McGrath's question: Is this system you are on about actually really proposed, or is it black propaganda, maybe put out by the big insurance companies? It appears to be an imaginary target, designed to provide an opportunity to rant. At any rate, having been involved in health care for many years as an administrator, and with a wife who is a health care provider, I follow the news on that topic pretty closely, and I've never heard of such a thing being seriously proposed.