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Skeptical Debunker

Robert Reich: It's Time to Enact Health Care Reform With 51 Senate Votes - 0 views

www.huffingtonpost.com/...-to-enact-health_b_470805.html

reconciliation process Senate healthcare passage reasons robert reich

shared by Skeptical Debunker on 22 Feb 10 - Cached
  • Why haven't the President and Senate Democrats pulled the reconciliation trigger before now? I haven't spoken directly with the President or with Harry Reid but I've spent the last several weeks sounding out contacts on the Hill and in the White House to find an answer. Here are the theories. None of them justifies waiting any longer. Reconciliation is too extreme a measure to use on a piece of legislation so important. I hear this a lot but it's bunk. George W. Bush used reconciliation to enact his giant tax cut bill in 2003 (he garnered only 50 votes for it in the Senate, forcing Vice President Cheney to cast the deciding vote). Six years before that, Bill Clinton rounded up 51 votes to enact the Children's Health Insurance Program (CHIP), the largest expansion of taxpayer-funded health insurance coverage for children in the U.S. since Medicaid began in the 1960s. Through reconciliation, we also got Medicare Advantage. Also through reconciliation came the COBRA act, which gives Americans a bit of healthcare protection after they lose a job ("reconciliaton is the "R" in the COBRA acronym.) These were all big, important pieces of legislation, and all were enacted by 51 votes in the Senate. Use of reconciliation would infuriate Senate Republicans. It may. So what? They haven't given Obama a single vote on any major issue since he first began wining and dining them at the White House. In fact, Senate Minority Leader Mitch McConnell and company have been doing everything in their power to undermine the President. They're using the same playbook Republicans used in the first two years of the Clinton administration, hoping to discredit the President and score large victories in the midterm elections by burying his biggest legislative initiative. Indeed, Obama could credibly argue that Senate Republicans have altered the rules of the Senate by demanding 60 votes on almost every initiative - a far more extensive use of the filibuster than at any time in modern history - so it's only right that he, the President, now resort to reconciliation. Obama needs Republican votes on military policy so he doesn't dare antagonize them on health care. I hear this from some quarters but I don't buy it. While it's true that Dems are skeptical of Obama's escalation of the war in Afghanistan and that Republicans are his major backers, it seems doubtful R's would withdraw their support if the President forced their hand on health care. Foreign policy is the one area where Republicans have offered a halfway consistent (and always bellicose) voice, and Dick Cheney et al would excoriate them if they failed to back a strong military presence in the Middle East. This is truer now than ever. Reid fears he can't even get 51 votes in the Senate now, after Scott Brown's win. Reid counts noses better than I do, but if Senate Democrats can't come up with even 51 votes for the health care reforms they enacted weeks ago they give new definition to the term "spineless." Besides, if this is the case, Obama ought to be banging Senate heads together. A president has huge bargaining leverage because he presides over an almost infinite list of future deals. Lyndon Johnson wasn't afraid to use his power to the fullest to get Medicare enacted. If Obama can't get 51 Senate votes out of 58 or 59 Dems and Independents, he definitely won't be able to get 51 Senate votes after November. Inevitably, the Senate will lose some Democrats. Now's his last opportunity. House and Senate Democrats are telling Obama they don't want to take another vote on health care or even enact it before November's midterms because they're afraid it will jeopardize their chances of being reelected and may threaten their control over the House and Senate. I hear this repeatedly but if it's true Republicans have done a far better job scaring Americans about health care reform than any pollster has been able to uncover. Most polls still show a majority of Americans still in favor of the basic tenets of reform - expanded coverage, regulations barring insurers from refusing coverage because of someone's preexisting conditions and preventing insurers from kicking someone off the rolls because they get sick, requirements that employers provide coverage or pay into a common pool, and so on. And now that many private insurers are hiking up premiums, co-pays, and deductibles, the public is even readier to embrace reform.
  • Skeptical Debunker on 22 Feb 10
     
    This week the president is hosting a bipartisan gab-fest at the White House to try to tease out some Republican votes for health care reform. It's a total waste of time. If Obama thinks he's going to get a single Republican vote at this stage of the game, he's fooling himself (or the American people). Many months ago, you may recall, the White House and Democratic party leaders in the Senate threatened to pass health care with 51 votes -- using a process called "reconciliation" that allows tax and spending bills to be enacted without filibuster -- unless Republicans came on board. It's time to pull the trigger.
Skeptical Debunker

In Past Decade, American Funds Created Most Wealth - Yahoo! News - 0 views

news.yahoo.com/...americanfundscreatedmostwealth

mutual funds wealth decade performance

shared by Skeptical Debunker on 07 Mar 10 - Cached
  • Morningstar determined that Janus and Putnam were the two largest "wealth destroyers" during the decade, losing $58 billion and $46 billion, respectively. "Janus and Putnam rode the growth wave more than anyone else," Kinnel says. "They had some very aggressive funds that put up big numbers that got huge inflows." After the tech bubble burst, the funds that were most heavily invested in these types of holdings experienced huge sell-offs, which made it difficult for these funds to attract inflows through the remainder of the decade. According to Morningstar, American Funds created about $191 million in wealth for investors during the decade, followed by Vanguard and Fidelity. Since American Funds generally employs a more value-oriented strategy, the firm was largely able to avert the first bear market of the decade. "The 2000 to 2002 bear market was all growth and tech, and American barely touched that, whereas they had lots of value, dividend payers, and bonds, which did very well," Kinnel says. Recently, the tables have turned for American. In 2009, it lost the most of any fund family (more than $25 billion). No fund family, including American, was able to avoid the bear market of 2008. The same strategy that allowed American to bypass most of the first bear market failed because many well-known dividend-paying companies, like big financial firms, experienced huge losses.
  • Skeptical Debunker on 07 Mar 10
     
    In a decade with two bear markets and lackluster returns for many investors, American Funds created the most wealth for investors, while Janus destroyed the most wealth, according to a survey released by Morningstar. For the survey, Morningstar looked at the 50 largest mutual fund families and their total net assets at the end of 1999. Then the fund tracker subtracted each fund company's total cash flows over the decade and deducted their total net assets at the end of 2009. Numbers were calculated in dollar terms so that any funds that were liquidated during the decade would also be included.
  • Skeptical Debunker on 07 Mar 10
     
    Get this! Mutual funds, where most American's have their 401Ks, IRAs, and retirement savings, performed pitifully in the "great economy" of the 2000's (brought to you by Republican deregulationists starting with Ronald Reagan). The "best" made $191 million (but lost $25 billion in 2009!), the worst lost around $50 billion! What a great way to transfer all that hard earned savings, mostly by the "little guy", from them to the Wall Street gamblers. Another socialistic Republican "redistribution of wealth" of the corporate criminal rich, by the corporate criminal rich, and for the corporate criminal rich.
thinkahol *

The Threats of Business and the Business of Threats | Truthout - 0 views

www.truthout.org/...1305039044

more we hear that nothing can be done to tax major corporations because of the threat how they would respond. Likewise cannot stop their price gouging or even government subsidies loopholes enjoy. example as oil majors reap stunning profits from high gas

shared by thinkahol * on 11 May 11 - No Cached
  • thinkahol * on 11 May 11
     
    More and more, we hear that nothing can be done to tax major corporations because of the threat of how they would respond. Likewise, we cannot stop their price gouging or even the government subsidies and tax loopholes they enjoy. For example, as the oil majors reap stunning profits from high oil and gas prices, we are told it is impossible to tax their windfall profits or stop the billions they get in government subsidies and tax loopholes. There appears to be no way for the government to secure lower energy prices or seriously impose and enforce environmental protection laws. Likewise, despite high and fast rising drug and medicine prices, we are told that it is impossible to raise taxes on pharmaceutical companies or have the government secure lower pharmaceutical prices. And so on.
thinkahol *

The Elite Are Trembling in Their Boots - 0 views

readersupportednews.org/...e-are-trembling-in-their-boots

The Elite Are Trembling in Their Boots

shared by thinkahol * on 19 Oct 11 - No Cached
  • thinkahol * on 19 Oct 11
     
    As of October 15, 2011, the movement protesting banks that wrecked our economy for profit can now claim the "too big to fail" title from their targets. Once dismissed as a ragtag fringe group of rabble-rousers, Occupy Wall Street protests have spread to 82 countries and 950 cities worldwide in just a month. In Europe, millions protested corporate/financial corruption of Democracy. And in America, Occupy Wall Street solidarity encampments continue in cities as big as Chicago, and as small as Jackson, Mississippi.
Muslim Academy

What is Terrorism - 0 views

muslim-academy.com/what-is-terrorism

terrorism definition terrorism What is Terrorism

shared by Muslim Academy on 03 Dec 12 - No Cached
  • Muslim Academy on 03 Dec 12
     
    What is Terrorism Terrorism is the use of force and threats against individual people, groups, or governments, for political or other various purposes. Terrorism is not a modern activity. Hundreds of years ago, societies were not as organized as they are today with modern facilities like roads, telephone, regular police forces. Back then, heads of strong groups of people such robbers, and warriors made use of force and threats to life and property to achieve their aims. Now, terrorism itself is quite an organized activity. There are terrorist organizations and societies which train terrorists for their purposes. Sometimes these organizations are supported by foreign governments with huge funds and modern weapons.
thinkahol *

Why Big Media Is Going Nuclear Against The DMCA | TechCrunch - 0 views

techcrunch.com/...big-media-nuclear-dmca

Why Big Media Is Going Nuclear Against The DMCA | TechCrunch

shared by thinkahol * on 09 Nov 11 - No Cached
  • thinkahol * on 09 Nov 11
     
    When Congress updated copyright laws and passed the Digital Millennium Copyright Act (DMCA) in 1998, it ushered an era of investment, innovation and job creation.  In the decade since, companies like Google, YouTube and Twitter have emerged thanks to the Act, but in the process, they have disrupted the business models and revenue streams of traditional media companies (TMCs).  Today, the TMCs are trying to fast-track a couple of bills in the House and Congress to reverse all of that. Through their lobbyists in Washington, D.C., media companies are trying to rewrite the DMCA through two new bills.  The content industry's lobbyists have forged ahead without any input from the technology industry, the one in the Senate is called Protect IP and the one in the House is called E-Parasites.  The E-Parasite law would kill the safe harbors of the DMCA and allow traditional media companies to attack emerging technology companies by cutting off their ability to transact and collect revenue, sort of what happened to Wikileaks, if you will.  This would scare VCs from investing in such tech firms, which in turn would destroy job creation. The technology industry is understandably alarmed by its implications, which include automatic blacklists for any site issued a takedown notice by copyright holders that would extend to payment providers and even search engines.   What is going on and how exactly did we get here?
thinkahol *

Ten Million Families Sliding Toward Foreclosure » Counterpunch: Tells the Fac... - 0 views

www.counterpunch.org/...ies-sliding-toward-foreclosure

Ten Million Families Sliding Toward Foreclosure » Counterpunch: Tells the Facts Names

shared by thinkahol * on 11 Nov 11 - No Cached
  • thinkahol * on 11 Nov 11
     
    President Obama, he says, "seems to be playing a sly double game-protecting banks from sharing the pain while proclaiming sympathy for embattled homeowners." Greider adds, "The government, in effect, has been sheltering banks from facing the hard truth about their condition." Banks may be valuing mortgages or mortgage bonds at 85 cents on the dollar when their true market value is closer to 30 cents. "That strengthens the case for a general and orderly write-down now: if many of these loans aren't ever going to be rapid, then the assets now claimed by the banks are imaginary."
thinkahol *

Rules of America's rule of law - Glenn Greenwald - Salon.com - 0 views

www.salon.com/...index.html

rules of law america

shared by thinkahol * on 08 Jul 10 - Cached
  • thinkahol * on 08 Jul 10
     
    * If you torture people or eavesdrop on Americans without the warrants required by the criminal law, you receive Look-Forward Imperial Immunity. * If you shoot and kill unarmed rescuers of the wounded while occupying their country and severely wound their unarmed children sitting in a van -- or if you authorize that conduct -- your actions are commended. * If you help wreck the world economy with fraud and cause hundreds of millions of people untold suffering, you collect tens of millions of dollars in bonuses. * If you disclose to the world evidence of war crimes, government lawbreaking, or serious corruption, or otherwise embarrass the U.S., you will be swiftly prosecuted to the fullest extent of the law and face decades in prison.
thinkahol *

An Interview With Glenn Greenwald - Ideas Special Report - The Atlantic - 0 views

www.theatlantic.com/...57976

shared by thinkahol * on 11 Jun 10 - Cached
  • thinkahol * on 11 Jun 10
     
    "Q. How does your background as a constitutional law and civil rights litigator inform the way you approach research and writing as a journalist? One of the primary skills one learns as a litigator is to make one's case by beginning with first premises, establishing their truth with evidence, and then compelling the conclusions you want others to reach. That's how I try to write now. I think that if you want to make an argument, there's an obligation to lay out the premises for it, provide evidence for it, allow readers to assess the documentation for themselves. That belief probably comes from the way judges and juries need to be persuaded that an argument is true. Beyond that, I chose to litigate constitutional and civil rights cases, and to represent plaintiffs, because I wanted to use my abilities to empower those who are vulnerable and powerless and who are being mistreated by the powerful. That, to me, is a primary purpose of the Constitution itself, and, when done correctly, a core purpose of journalism. That's what I try to do now as well in the work I do. I'd much rather be at war with corrupt elites than serving their interests."
thinkahol *

Tax Cuts Caused The Deficits, Therefore... | OurFuture.org - 0 views

www.ourfuture.org/...cuts-caused-deficits-therefore

tax cuts caused deficits

shared by thinkahol * on 29 Jun 10 - Cached
  • thinkahol * on 29 Jun 10
     
    No serious person denies that Reagan's 1981 tax cuts and military increases threw the country into a pattern of borrowing and borrowing that we have not escaped. When Reagan took office the national debt was $995 billion. When Reagan left office it was $2.87 trillion and climbing fast. No serious person denies that Bush's 2001 tax cuts and continued military increases dramatically worsened the problem. Bush's last budget year ended with a record single-year deficit of $1.4 trillion. As the country discusses what to do about the borrowing the elephant in the room is that everyone understands that restoring top tax rates to pre-Reagan levels and cutting the military budget in half would solve the problem completely. But we can't do that. We can't even discuss it. And we all know why. And we all know why. It is because the Reagan Revolution transformed the country from a democracy to a plutocracy -- a country run by and for the wealthy. Such sensible and simple ideas are considered off-limits. To even bring up the idea of restoring tax rates to pre-Reagan levels and cutting military spending invites terrible consequences. The speaker risks becoming the target of the money's noise machine: Limbaugh, Hannity, Drudge, Fox. Smears. Humiliation. Banishment. Or the noise machine cranks up a campaign of misinformation, convincing people --especially DC people -- that what they see in front of their eyes just isn't so. Repeat it enough and it becomes solid knowledge. We all know this is the way it is. So don't tell me that "we don't have the money" to keep 300,000 teachers from being laid off, or to help the long-term, mostly older unemployed workers get something to live on and keep their health care. The money is right there in front of us, but the Congress is bought and paid for. What do we do? We have to demand representatives who represent us, not make excuses for representing the wealthy. The unfortunate, poor and disadvantaged must count every bit as much as the
Bakari Chavanu

Michael Moore Kills Capitalism with Kool-Aid - Michael W. Covel - Mises Institute - 0 views

mises.org/3751

capitalism micheal moore review

shared by Bakari Chavanu on 03 Oct 09 - Cached
  • Oh sure, in theory I would like to see everyone with their own homestead, money in their pocket for regular shopping frenzies, and no health worries despite eating at Burger King 24/7, but arriving at those goals is not exactly doable unless government robs Peter to pay Paul and/or starts up the printing press.
    • Bakari Chavanu
      Bakari Chavanu on 03 Oct 09
       
      This analysis totally overlooks where real wealth originates from: not from dollars printed by the government or even the redistribution of taxes. It originates from what working class people produce, and what capialist thugs mainly profit off of.
  • And that view of course puts me in opposition to Moore since he has no problem with government as his and our father figure. That is his utopia. He truly believes that warehouses of federal workers, in Washington, D.C., remotely running our lives is the optimal plan. He is an unapologetic socialist who really doesn't care why the poor are poor or the rich are rich, he just wants it fixed. So not surprisingly — and with some generalization as I proffer this — Democrats like Moore and Republicans don't.
    • Bakari Chavanu
      Bakari Chavanu on 03 Oct 09
       
      This is not the point he made in the movie. He makes the argument that workers should control and profite from what they produce.
  • I don't care one way or the other that he has that view and I am not knocking union workers, but Moore sees the world through a class-warfare lens resulting in a certain agenda: force wealth to be spread amongst everyone regardless of effort.
    • Bakari Chavanu
      Bakari Chavanu on 03 Oct 09
       
      So you think it's perfectly okay for individuals to have a net worth of millions and billions of dollars while the people who produce the wealth should not profit from their work?
  • ...8 more annotations...
  • We listen to heartbreaking stories of foreclosed families across America — but we don't learn why the foreclosures happened. Did these people treat their homes as piggy banks? Was there refinancing on top of refinancing just to keep buying mall trinkets and other goodies with no respect to risk or logic? We don't find out.
    • Bakari Chavanu
      Bakari Chavanu on 03 Oct 09
       
      Yes, we do learn the source of foreclosures. It's banks raising interest rates that people can't possibly pay. It's people making huge amounts of money off the misfortunes of others.
  • $1,000 for cleaning out the house that they were just evicted from. Was it sad? Yes. But should we end capitalism due to this one family in Peoria, IL?
    • Bakari Chavanu
      Bakari Chavanu on 03 Oct 09
       
      He presents this as represenetive example.
  • There is a lengthy dissertation on the evils of Goldman Sachs. He rips Robert Rubin and Hank Paulson big time, and I agree with him. In fact, I said to myself, "Moore, you should have done your whole film on Goldman Sachs!"
  • As FDR concluded and the film ended, I was shocked at the reaction. The theater of 400-plus spectators stood and cheered wildly at FDR's 1944 proposal. The questions running through my head were immediate: how does one legislate words like useful, enough, recreation, adequate, decent, and good? Who decides all of this and to what degree?
  • So that the record of history is absolutely crystal clear: that there is no alternative way so far discovered of improving the lot of the ordinary people that can hold a candle to the productive activities that are unleashed by a free enterprise system.
  • Friedman's logic was what I was remembering as a theater full of people cheered wildly for a second Bill of Rights. How did this film crowd actually think FDR's 1944 vision could be executed? Frankly, it was clear to me at that moment that capitalism is on shaky ground. From Bush "abandoning" capitalism to bailouts for everyone, to Obama gifting away the future, we seriously might be past the point of no return toward a socialization of America.
  • This film did not make me angry, but it did punch me in the gut. The people in that theater with me, including Moore, were not bad people. They just seem to all have consumed a lethal dose of Kool-Aid.
    • Bakari Chavanu
      Bakari Chavanu on 03 Oct 09
       
      What Kool-aid are you talking about? What other system is really challenging capitalism? Not even the government is the real kool-aid when you've already noted that it works on behalf of the corporate class.
  • Moore sees Reagan entering the scene as a shill for corporate-banking interests.
  • Bakari Chavanu on 03 Oct 09
     
    I include my reacations to this review in which I think Covel misleads readers about Moore's movie.
thinkahol *

Op-Ed Columnist - Attacking Social Security - NYTimes.com - 0 views

www.nytimes.com/...16krugman.html

social security facts attack distortion

shared by thinkahol * on 17 Aug 10 - Cached
  • thinkahol * on 17 Aug 10
     
    Critics of the program claim that its future is in peril. But their math doesn't add up, and underneath their hostility is ignorance of the realities of life for many Americans.
thinkahol *

First Black Presidency Has Driven Many African Americans Insane | Black Agenda Report - 0 views

blackagendareport.com/?q=content%2Ffirst-black-presidency-has-driven-many-african-americans-insane

black presidency report insanity

shared by thinkahol * on 18 Jul 10 - Cached
  • thinkahol * on 18 Jul 10
     
    A section of Black America has lost their minds - literally - unable to make contact with reality since November 2008. Despite the horrific and disproportionate damage suffered by Blacks in the Great Recession, a psychologically impaired group of African Americans believes they are better off than before the recession began, and that the future is bright. When Obama entered, their powers of reason exited.
thinkahol *

In order to save biodiversity society's behavior must change, leading conservationists ... - 0 views

www.eurekalert.org/...uoc-iot090710.php

In order to save biodiversity society's behavior must change leading conservationists warn

shared by thinkahol * on 12 Sep 10 - No Cached
  • thinkahol * on 12 Sep 10
     
    An innovative grouping of conservation scientists and practitioners have come together to advocate a fundamental shift in the way we view biodiversity. In their paper, which was published today in the journal Science, they argue that unless people recognize the link between their consumption choices and biodiversity loss, the diversity of life on Earth will continue to decline.
thinkahol *

The Democratic fear-based strategy - Glenn Greenwald - Salon.com - 0 views

www.salon.com/...index.html

shared by thinkahol * on 15 Sep 10 - No Cached
  • thinkahol * on 15 Sep 10
     
    Rather than tout their own accomplishments, Democrats look to fear of Sarah Palin to motivate their base
thinkahol *

Rally to Restore Sanity - 0 views

www.rallytorestoresanity.com

rally to restore sanity

shared by thinkahol * on 17 Sep 10 - No Cached
  • thinkahol * on 17 Sep 10
     
    "I'm mad as hell, and I'm not going to take it anymore!"  Who among us has not wanted to open their window and shout that at the top of their lungs?  Seriously, who?  Because we're looking for those people. We're looking for the people who think shouting is annoying, counterproductive, and terrible for your throat; who feel that the loudest voices shouldn't be the only ones that get heard; and who believe that the only time it's appropriate to draw a Hitler mustache on someone is when that person is actually Hitler. Or Charlie Chaplin in certain roles.  Are you one of those people? Excellent. Then we'd like you to join us in Washington, DC on October 30 -- a date of no significance whatsoever -- at the Daily Show's "Rally to Restore Sanity." Ours is a rally for the people who've been too busy to go to rallies, who actually have lives and families and jobs (or are looking for jobs) -- not so much the Silent Majority as the Busy Majority. If we had to sum up the political view of our participants in a single sentence... we couldn't. That's sort of the point.  Think of our event as Woodstock, but with the nudity and drugs replaced by respectful disagreement; the Million Man March, only a lot smaller, and a bit less of a sausage fest; or the Gathering of the Juggalos, but instead of throwing our feces at Tila Tequila, we'll be actively *not* throwing our feces at Tila Tequila. Join us in the shadow of the Washington Monument. And bring your indoor voice. Or don't. If you'd rather stay home, go to work, or drive your kids to soccer practice... Actually, please come anyway. Ask the sitter if she can stay a few extra hours, just this once. We'll make it worth your while.
thinkahol *

t r u t h o u t | Socialism? The Rich Are Winning the US Class War: Facts Show Rich Get... - 0 views

www.truth-out.org/cher-everyone-else-poorer64514

t r u h o | Socialism? Rich Are Winning the US Class War: Facts Show Getting Richer Everyone Else Poorer

shared by thinkahol * on 27 Oct 10 - No Cached
  • thinkahol * on 27 Oct 10
     
    The rich and their paid false prophets are doing a bang-up job deceiving the poor and middle class. They have convinced many that an evil socialism is alive in the land and it is taking their fair share. But the deception cannot last - facts say otherwise.
thinkahol *

Will Paul Krugman be Shamed Into Debating an Austrian Economics Wunderkind? - CNBC - 0 views

www.cnbc.com/39832879

Will Paul Krugman be Shamed Into Debating an Austrian Economics Wunderkind? - CNBC

shared by thinkahol * on 07 Nov 10 - No Cached
  • thinkahol * on 07 Nov 10
     
    Libertarians frustrated by what they view as the lack of engagement by arch-Keynesian Paul Krugman with their arguments have come up with a clever ploy: they're promising to donate $100,000 to the Fresh Food Program of FoodBankNYC.org if Krugman will debate one of their stars.
Ben Donahower

Campaign Yard Sign Laws in Florida - 0 views

goarticles.com/...3719994

florida yard signs law

shared by Ben Donahower on 27 Nov 10 - No Cached
  • Ben Donahower on 27 Nov 10
     
    Campaigns that understand state yard sign regulations will avoid having their signs removed and political attacks from their opponents.
thinkahol *

Why on Earth Would Americans Vote the Old Bush-Cheney Agenda Back into Power? Europeans... - 0 views

www.alternet.org/..._power_europeans_are_perplexed

Why on Earth Would Americans Vote the Old Bush-Cheney Agenda Back into Power? Europeans Are Perplexed | World AlterNet

shared by thinkahol * on 17 Nov 10 - No Cached
  • thinkahol * on 17 Nov 10
     
    Even conservatives in Europe are scratching their heads over their transatlantic allies who appear to hate the idea of cheaper, universal health care.
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