Interesting Opening Remarks piece in January 3 Bloomberg Businessweek. I don’t know how the mandate provision will play out in the courts but I do believe that we all have responsibilities. One of those responsibilities is to participate in insurance. We must have insurance to operate a car. You get a mortgage, you’ll be required to have insurance. Why not health insurance? We have to do something to encourage broad participation and share/spread the risk, that’s what insurance is supposed to be. Mandates may be one answer.