earlier i was asked a question about health care that i responded to and it was ignored for most to just refer to me as "it" or stupid, etc., so i don't care to engage in that type of internet behavior. however, your comment regarding health insurance is what i was referencing in that original comment - there isn't necessarily a free market with health care. you schedule a surgery with the local hospital in your area (they are all connected) and you pay what they charge for the surgery, which is usually 7-11 prices. there are a lot of things wrong with the system, but personal responsibility goes a long way. getting government involved in those kinds of decisions is always a mistake.