One of the mistakes the ACA made was trying to standardize what would be considered an acceptable insurance plan. That caused changes to a lot of people a little bit of money had been buying plans that were under the new standards. I think if it had just stuck to providing access to good plans for those who had no access previously and make them available to people who might see them as preferable to what they had, there wouldn’t have been as much of the pushback from people whose plans got changed and made more expensive. There is certainly a cost to the public of under insured people when they hit the jackpot, unfortunately, like you have a couple of times, and I have once, but that could’ve been a step two problem to address .