Visions of Glory
Perhaps the one skill the British will never impart to Americans is the knowledge of how to fight bad guys while dressed up in a nice suit. Every actor who plays James Bond can do it. Why, even Jason Statham can do it. Most of us want to be like that, even though we’ve no clue how or even if it is possible at all. Still we dream. But there are days when reality pulls us back to terra firma. Today The Washington Post administered yet another unexpected dose of reality. “Many young, healthy Americans could soon see a jump in their health insurance costs, and insurance companies are saying: It’s not our fault.”
That’s the insurance company’s way of saying the young are basically going to expend their youth stuck in poverty, in bondage to their health care premiums. And get a Death Panel at the end of it.
The nation’s insurers are engaged in an all-out, last-ditch effort to shield themselves from blame for what they predict will be rate increases on policies they must unveil this spring to comply with President Obama’s health-care law….
Aetna chief executive Mark T. Bertolini invoked the term at his company’s recent annual investor conference, cautioning that premiums for plans sold to individuals could rise as much as 50 percent on average and could more than double for particular groups such as the young and healthy.
The result: Older, sicker people will pay lower premiums. Younger, healthier people will pay higher ones to make up the difference. The price of a policy for a young, healthy man in, for instance, Milwaukee, could triple from $58 per month to $175, according to a survey of insurers released by Douglas Holtz-Eakin, president of the American Action Forum, a center-right think tank, and a former director of the Congressional Budget Office.
Insurers argue that such increases could prompt many healthy young adults to opt out of coverage, skewing the insurance market so heavily toward the old and sick that it implodes.
The future wasn’t supposed to be that way. It should have worked out with us all cool, carefree and flip. Whatever happened to that future? The one where we were all going to be guru-like and rich?
Someone remarked in an overheard conversation that the problem with modeling your life after Steve Jobs or Bill Gates is that most people aren’t ever going to be like Steve Jobs nor Bill Gates, just as most women are never going to look like movie stars however many of their cosmetic products they adopt. It just doesn’t work that way.
But the ad men understand the power of fantasy and know that nothing sells a candidate better than the endorsement of the cool and hip person who you imagine you are like, with whom you fancy a kinship. You vote like that person because you think you are like him or her. This despite the sad fact that you have almost nothing in common with said celebrity. Not the baloney sandwich you will inevitably have for lunch; not the clapped-out Hyundai you drive. Nor the track pants in which you will have to fight the muggers for the possession of your crummy cell phone. You will in all probability never have a tax shelter in the Cayman Islands, nor will you ever, despite your best efforts, ever learn to box like James Bond in a tailored suit.
The Bible optimistically says that “in the last days, saith God, I will pour out of my Spirit upon all flesh: and your sons and your daughters shall prophesy, and your young men shall see visions, and your old men shall dream dreams”. The young dream: it is their greatest possession. For some it will be their only field of glory. But there are days when it seems that the verse should have been written as “in the last the days your young men will realize they’ve been conned and that your old politicians have conned them.”
Not likely they’ll realize anything. In all probability they’ll just be sold another dream.
Perhaps historians of the far future will be divided over who bore the most responsibility for our sad era. The generation of elders who bequeathed a disaster to the young. Or the young for letting the old reprobates do it.
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Blame bush. That is dear leaders response. With the help of his lap dogs, enough will believe, and drink the kool-aid. We see that happening with the looming “cuts”. The message from the propogondo omedia, “Obama doesn’t want to cut, it is those eeevil republicans, who want to throw grandma off the cliff”. “Obama promised affordable health care, it must be the fault of the grandma throwing republicans”.
The new Olympic event will be grandma throwing.
Happy landings.
But that’s just numbers.
If stuff gets expensive we can tax the rich – or just print more money.
–
I must presume what we are seeing is a replay of 2008. For ten years the mortgage companies and banks protested feebly to the feds, “Hurt us, beat us, make us write bad loans!” and they did, until it all collapsed in 2008. But the banksters paid themselves beaucoup meanwhile, and nobody has made them give it back. Now it’s the insurance companies, “Oh hurt us, beat us, give us 50,000,000 more policy holders!” It won’t work, and it won’t work bigtime, and I suppose many of them know it, but meanwhile rivers of cash will flow and they will drink deeply from it, until all health policies are nationalized.
Awww, man! I have to pass Lena Dunham just to see the comments!
There is no real problem here. Health insurance like anything else can be paid for by quantitative easing.
From now on tax need only be levied on Bad People; The Rich, Jews, smokers, gun owners?
The British ability to fight in suits is apparently due to superior tailoring.
The finer points of arm holes and other things are discussed but the bottom line is that you need to spend about $4,000 in bespoke clothing to be able to duke it out with terrorists in your suit. If you’re wearing something el cheapo, it won’t conceal your Walther PPK to any degree and it will bind and basically trip you up.
So there. Anybody can do what the British do, provided they are gentlemen of quality.
This goes back to tales told by my grandparents. IIRC back when health care was first becoming part of the pay packet, many firms, as I was reminded by a piece at Hot Air, simply self insured. Some even had the company doctor, into my own work memory, there were company nurses.
Practice Managers can tell you how many doc’s are needed per specific population, they can even account for age and family status.
For simplicity, say your employee population is about right for one doctor and associated staff. Salaries etc. for one doc and staff $ 1.0 million (a swag) verses the premiums at whatever health care route is selected. Bureaucratic overhead shrinks immensely.
Smaller groups could form co-ops.
Docs could be recruited right out of school in return for assuming loans. Hell, could even have docs as interns or on company scholarships.
In other words, the workarounds are legion.
I for one have no sympathy for the young Obama voters, or for that matter any Obama voter of any age. I am not exactly clever, Wretchard, but a few things about Obamacare were enough to let me know it was (and is) a very bad idea that would cost me a lot of money and do nothing for me, to wit:
1. Obama and the Congressional Democrats exempted themselves from it – why, if it is so good?
2. Obama’s panel of experts, not you and not your doctor, will decide what treatements and tests you will get – in other words, cost control via rationed care and denial of care.
3. Obamacare increases the demand for health care, but has no incentives to increase supply – higher prices for care.
4. Companies MUST supply health care, regardless of condition – higher prices for care.
5. Companies MUST provide abortion coverage for health care plans – as a male I dont need that – higher prices for care.
6. Companies MUST meet federal standards as set by Washington bureaucarats – yes, higher prices for care, since you cant tailor care to actual needs.
None of this was hidden from view. The people who voted for this were basically hoping to get free care via higher taxes and higher health care prices for me – the heck with them. As far as I am concerned, Obama voters deserve Obamacare. And if the low-information voters don’t like it, well, they can always renew themselves at Carousel. (see Logan’s Run for how Obamacare will really cut costs).
In a Democracy the people get the government that they deserve. Unfortunately so do you. Who really thinks that they personally deserve the same government as do the people who are not repelled by Lena Dunham, or by this?
I console myself with the belief that fraud by the Democrats is so widespread that it is possible that Obama would not have won an honest election. In my heart I believe that he is not really the President of the United States and that the majority of the American people are good and deserve better than this. We are a Captive Nation.
“This goes back to tales told by my grandparents. IIRC back when health care was first becoming part of the pay packet, many firms, as I was reminded by a piece at Hot Air, simply self insured.”
And do you know why companies offered these services? Wage and price controls, imposed by the government. Companies offered health care to attract workers, as they could not offer more money to better qualified people. So the gov’t created this two tier health care system, where some people get insurance through their employer, and most others just do without. Now the gov’t has taken this dysfunctional system, and put it on steroids.
So our betters in the gov’t created a problem in the first place, and now assure us their solutions will fix it. I’m not holding my breath.
#5 Most men get suits too tight in the shoulders. A little too big is much better than a little too tight. Same for shirt collars, if it’s the right size you can wear it buttoned all day and be perfectly comfortable.
Humongous cracks are already beginning to show in that crowning achievement of Emperor Buraq Hussein I, Obamacare.
Just a few days ago I was reading someplace I can no longer find, that something like 169 million ( I’m not kidding) Americans will not qualify for our wunnerful new Obamacare insurance plans, because of pre-existing conditions and that the fund that was supposedly and magically to cover this problem has already run thoroughly dry and there is no likelihood that it ever will be funded . Yup, weren’t we told there was going to be no problema with pre-existing conditons anymore because Buraq had waved his magic wand and that problem had been rendered “poof”? Well I guess not. Chalk it up to another little fib by our glorious Emperor.
The question is not whether are there are going to be more enormous gut wrenching cracks in Obamacare, which we all knew were coming, but whether the general populace will finally take notice they have been thoroughly screwed and actually do something about it.
5. wretchard: I believe Savile Row discovered that many English gentlemen of quality wanted their suits, could fight terrorists in their suits but could not afford to buy a Savile Row suit.
Savile Row famously solved this problem by lending the gentlemen of quality enough money to buy their suits. Impressed by this deft solution for sartorial impecunity invented by the inscrutable English, the Chinese later copied Savile Row by lending the U.S. enough money to buy stuff made in China.
Obama doesn’t like the Brits but he bows to the Chinese. Maybe he thinks that the Chinese will lend the U.S. enough money to pay for stuff made in China and enough money to pay for Obamacare.
The Hagel story ends up showing how much of a bunker mentality exists in Washington. The guy is clearly a bit short on qualifications, but how dare someone from Texas, a Hispanic of all things ask tough questions about how he sells his influence to the highest bidder! The temerity.
This is all vaguely familiar. Somewhere the idea that the exalted families and houses in European capitals were telling themselves of their own importance and wisdom, as one brick after another of the basis of their position fell out from neglect. Quite a few were hung or shot, all lost something. And the cost was in the hundreds of millions of lives.
Eventually the lies catch up with you. When Obama was elected in 2008 I posited that he would be the end of the Democratic party as we know it. Bush was the end of the Republican party as we knew it, they haven’t quite figured it out yet. 2014 will have Democrats running against Obama and Republicans running against the tea party, and the Democrats will win. We will see a resurgence of Clinton Democrats, not Hillary but Bill. Fights within each party will eclipse the fights between them.
Can’t pay your health insurance premiums? No problem, the US Government will pay them for you. It worked for the mortgage mess…well sort of but we won’t go into all those messy details. The US Government will take care of it. They will simply give our tax dollars to the insurance companies so that they can stay afloat…until the next election…so that another Democrat can stay in power. It’s all really quite simple. And even if the media “turns” on Obama/Democrats the voters know that the solution is simply too painful to accept.
64% of the voters in Jesse Jackson Jr.’s district voted for him. Even though he was in rehab. What makes anyone think that they want the government money turned off? They are simply addicted to someone elses money. As long as it keeps flowing everything will be alright. They will deal with it when it’s not there…but not now.
Everyone wants to go to Heaven, …but no body wants to die!
Perhaps the one skill the British will never impart to Americans is the knowledge of how to fight bad guys while dressed up in a nice suit.
CHU LIED, DOLPHINS DIED UPDATE
Front page story – Wall Street Journal
BP Face New Bout of Spill Liability
http://tinyurl.com/af65qzb
Deepwater Horizon – The Civil Trial Phase
http://tinyurl.com/bdtcsvv
Today’s musical selection
http://youtu.be/o-eWAuFmjN0?t=1s
Bonus video
http://youtu.be/A7wSQ0rvdig?t=1s
In the old days, when gentlemen went to Saville Row to buy a new suit the first thing they had to do was pick out a fabric.
Sometimes they were told *that fabric has been spoken for*. Hence the word bespoke
Josh 2. “I must presume what we are seeing is a replay of 2008. For ten years the mortgage companies and banks protested feebly to the feds, “Hurt us, beat us, make us write bad loans!” and they did, until it all collapsed in 2008. But the banksters paid themselves beaucoup meanwhile, and nobody has made them give it back.”
The legal mechanism by which the sub prime crisis was driven was the Community Reinvestment Act (CRA). The government was actively hiring CRA auditors well into 2009. Recently it has again begun enforcement of the CRA. I guess things aren’t falling apart fast enough. Apres moi le deluge.
And the chickens are coming home to roost in other areas, too.
They just had the mayor of the town in NY where the Remington factory is located on Fox News. The company is not pleased about the new gun laws in NY and is considering relocating. 1300 direct jobs would move away along with a large number of asscociated jobs. Gov Coma Oh is incommunicado on the subject. The mayor made a personal appeal to the Gov on TV.
Meanwhile SC and some other states are saying to Remington “Come on down!” The mayor says he is quite upset about that.
Meanwhile, the new bill introduced by the Dems in Colorado have a major maker of high capacity magazines there threatening to move as well.
Everybody thinks he is going to get a good, special deal, based on being a good Union member or staunch Democrat or just because the Gov or the President is a nice guy to talk to. No doubt that the Govs of the states pulling this kind of crap figure that when the jobs leave they will just get a new grant or special Federal jobs program for their friends in DC – that will last through the end of their last planned term.
“We can’t expect the American People to jump from Capitalism to Communism,
but we can assist their elected leaders in giving them small doses of Socialism,
until they awaken one day to find that they have Communism.” – Nikita Khrushchev
The Long March indeed.
Take away the suit, the props and the women and there is not much left of James Bond. Nothing special really but everyone wanted to be him. That was the draw, in our minds we could have been Bond under the right conditions.
We are so easily fooled. Take someone like Morsi or Ahmedinijad and dress him up in a nice suit and you have transformed a thug into a respectable world leader. At least with Arafat showing up to the UN with his keffiya and a holster on his hip you knew what you were getting.
Obama as the empty chair was the perfect metaphor. Take away the props and adoring crowds and there is nothing very special about him. Without all that he just seems like the bore you avoid sitting next to at a dinner party.
Let it burn! Let them suffer fully the consequences of their actions. The only way to save this country is to start from scratch.
The impact of SoeteroCare on the American public seems to be the domestic equivalent of the impact of Soetero’s fecklessness on international relations discussed a couple of threads back. In both cases, the “people” asked for it; now they are going to get it — good & hard.
The Philippines wanted the Yanks to go home, and so they went. Now the Philippines stands naked & alone in an unfeeling world with big bad China moving steadily in their direction. People in the US wanted “free” medical care, and now they are going to get everything they are paying for.
But did the ordinary Filipino really want Subic Bay emptied? Did the ordinary US person really want to stand behind Democrat political insiders in the line for rationed health care? Maybe the real issue is that democracy, as currently practiced, has become dysfunctional.
Ah well! Just like the mid-1930s, anyone who looks can see that this is not going to end well for anyone, including those Democrat political elites; but there is not a damn thing we can do about the coming catastrophe. And this time there is no Saville Row besuited Churchill standing in the wings, booming out his prescient warnings.
‘The Worse, the Better’ worked fine for Lenin. He knew he could kill dissidents by the hundred-thousand, after using public discontent to topple the government, and was well prepared to do it.
Who’s making those preparations now?
Those who might strenuously argue the merits of seeding markets with Keynesian spending frequently argue against the opposite dynamic in the form of taxes. They say a 3% stimulus offers manifold effects to a moribund economy, isn’t it possible that a 7% tax is twice the poison to overcome?
So the young with no accrued wealth, no assets, no friends in high places, no lifetime of earning or luck to have lived in an age of plenty go on to uphold the lifestyle of those who now spend their pensions on teeth whitener and Grecian Formula 44. Sex sells and giving young homely girls vagina care is attention enough to ensure a lifetime of servitude, like a housewife and a perpetual child.
The bitter truth is the politicians have found, through healthcare, a way to overtax the living and to expedite the dying.
spindok @ 21 – Don’t you pine for the good old days of In Living Color.
Back when Jamie Foxx was funny? http://www.youtube.com/watch?v=aktPK28QFi8
Homey don’t do THAT! http://www.youtube.com/watch?v=2g1e8dZM3MY
I’d love to see him do a skit as the bespoke Barack “Baby Doc” Kotto
http://youtu.be/Myc6HpJzgaU?t=1s
22. dlsada. While the PRC moves in… We can’t let it burn. Join the NRA! Join Herman Cain’s Army of Davids! Join Leo Linbeck & Campaign for Primary Accountability. We have to hold the line before we reach the “Fire” phase.
They are beginning to suffer. They see it in their paychecks and will get another rude awakening at tax time 2014. Herman Cain’s strategy of saving those who can be saved is a good one. There could be many waking up ready to be saved by 2016, barring voter fraud.
Fight for Voter I.D. in all 50 States! Florida and Ohio were STOLEN!
I don’t believe you are serious about letting it burn but Sequester might light a fire.
Rodney@4: There is no real problem here. Health insurance like anything else can be paid for by quantitative easing.
Didn’t you mean ‘qualitative easing’?
stevesmith +1
What makes James Bond so delicious is not his $4,000 suits that the producers insist that he work, play and sleep in until it feels comfortable, but his faith in utter improbability. What self-confidence would lead someone to jump off of a building or onto a train and not encounter a randomly placed stove pipe to gum up the gizzards? That an ill placed pedestrian, light, lorry, or speeding bullet out of the blue would not put one’s craneum in a disarray is a special kind of faith. And improbability is like porn requiring gorier and gorier feats to impress.
I saw a recent Die Hard preview where Bruce and his ward duck as a car tumble s out of a garish explosion then, as it is a split second from squashing them, a couple of cars appear in just the right place in time to absorb the blow. After being saved by such a miracle, they move on with the self-confidence of a god and the luck to go with it. It is hard to count the movies that routinely employ the hero or villain driving a car or motorcycle off the top of a 20 story building. Survivable? Maybe.
Did the heroes of the Bible have such luck or were they simply favored by god? In real life most heroes survive by hard work and perseverance. Meanwhile, we the viewing public worship the obscenely improbable.
“If you’ve done 6 impossible things this morning, why not round it off with breakfast at Milliways, the Restaurant at the End of the Universe?”
Don’t get your hopes up that the millennials will suddenly wake up and figure out that Obama is cheating them. As soon as Zerocare crashes and burns Obama will begin his pitch for a single payer “free” healthcare system. The millennials will jump right on it. It’s free isn’t it? Since they are young and healthy they won’t have many encounters with the system so they will quite happy with state run medical care right up until the time that they hit middle age and starting having problems. By then the system will have be reduced to third world conditions.
The AHCA is not about healthcare. It is about providing employment for the Nomenklatura. You just have to understand to Progressives there are only three classes of people. The ruling Nomenklatura, people who are useful to the Nomenklatura and the client population. For healthcare that means today’s healthcare for the rulers, pretty good healthcare to the useful and third world medicine for the rest. This is already apparent in the California proposals to allow everyone down to pharmacists to provide direct healthcare without supervision by a physician.
There are two factors, or illusions, that affect the feasibility of blissful provision of medical care for all.
First, a sizable fraction of the patient pool have chronic problems of obesity, substance abuse, nutritional neglect, and problems related to live-style. Certainly many lower-income people and elderly people fall in this category. The implicit expectation held out by the health activists is that all people have some inherent right to the same condition of health (NOT JUST ACCESS TO CARE) as the “privileged.” This is an impossible goal, and to engender that hope in the popular mind is to blame poor health, and ultimately death, on class difference. This is absurd and guaranteed to persist as a source of unending social division, which is just fine with the left and the trial lawyers.
Second, no system or type of health care will result in the elimination of illness and death, or will correct the natural differences in individual health conditions and ultimate demise. Failure to acknowledge this fact results in such absurdities as the state being ordered to pay for sex change operations, weight reduction surgery, cosmetic procedures, and so forth for prisoners. There is no end to the expense and no society can have the means to provide every such perceived need to stave off unpleasantness, discomfort, dissatisfaction with one’s inherent health, physique, or age, and the inevitable death of every individual under widely different circumstances and degrees of unpleasantness, regardless of class. The issue of governmental subsidy of “orphan drugs” is an example of these issues at play.
Do we socialize every personal problem? On the other hand, who should draw the line limiting how far to go? A “death panel” in some bureaucracy? The ultimate fact to remember is that denial of coverage is not denial of care. Insurance companies do not kill people. Living results in death. As William Penn said, “We can not learn to live until we learn to die.”
27 @marzouq
I’m serious about Let It Burn. There’s only one way for things to turn around: stupidity must hurt. The way things are now, the idiots and the willfully ignorant are shielded from the consequences of their actions. The situation will never get better until there’s a signal reestablished between stupid choices, stupid actions, and bad consequences.
I understand the desire to cling on to the notion of the old America, but it’s a dead man who just doesn’t realize it yet. I see no need to prolong the agony.
Also, the Republic has been slain and a pretender (in the form of democracy) has taken its place. Well, the public voted for this, and now they should get it, good and hard. That’s the way a democracy works, right? Natural rights be damned if 50% +1 decides you don’t need them any more.
Wretchard,
Any Victorian could have told you that there is no task so great that it is beyond the abilities of a “Gentleman of Quality”…
Re: ““Many young, healthy Americans could soon see a jump in their health insurance costs, and insurance companies are saying: It’s not our fault.”
Does anyone think that any of Romney’s 47% will believe the insurance companies? That the MSM will objectively report the facts? But will instead do all they can to obfuscate and place blame upon the evil rich, republicans and neanderthal conservatives?
That this is accidental?
That the left wants a health care system with private insurers? Is there any doubt that ObamaCare is an incremental step designed to prepare Americans for a single payer government run health care system?
Isn’t it certain that ObamaCare’s flaws will be blamed on conservative/capitalist resistance?
Hello? Is this really so obscure and difficult to understand?
tdiinva @ 30 – You may be surprised by those Millennials. They will see the healthcare system up close and personal living in Mom and Dad’s basement.
There is a lot of talk among them about being NINJAs.
No Income, No Job and no Assets.
Quite different from the DINKs, Dual Income No Kids, of Obama’s base. You know, the Sandra Fluke types.
Generational rage is likely to vent itself against Obama and his DINKs.
The Millennials’ liberal arts degrees won’t get them a job? Slash pensions for government funded professors and college administrators sucking at the teat of government who tricked them into poverty.
What goes around, comes around. It’s Karma.
Aren’t DINKs Obama’s generation? The Yuppie-Puppys? The MBA holding Masters of the Universe? Those who went on to get Piled high and deep (Phd) degrees? The Out-Sourcers? The ME GENERATION?
#32,
Re: “I’m serious about Let It Burn. There’s only one way for things to turn around: stupidity must hurt. The way things are now, the idiots and the willfully ignorant are shielded from the consequences of their actions. The situation will never get better until there’s a signal reestablished between stupid choices, stupid actions, and bad consequences.”
You forget the scapegoat. Of which you are assuredly one, as is anyone who supports the concepts of personal responsibility, accountability for ones actions and that actions have consequences.
James Madison warned of it, “Oppressors can tyrannize only when they achieve a standing army, an enslaved press, and a disarmed populace… Crisis is the rallying cry of the tyrant.”
When it burns and it most certainly will, the left will rouse the mob and the ‘duly elected government’ will direct the military to support the federal agents who will show up at the door of those unwilling to hand over their assets to the state.
When ‘it burns’, the mob will happily accept that the situation is entirely the fault of the ‘evil rich’, their agents republicans and business owners and those despicable voters; the neanderthal conservatives and libertarians who support the evil capitalistic system that has made victims of those less fortunate…
What do you think Homeland Security’s 7000 assault rifles and 1.6 BILLION rounds of ammo is for? The left is using the government to prepare for rebellion. Those who resist with arms will be shot and those who “cling to their bibles and guns” will be re-educated.
Whenever I find myself talking with an employee of the state of California, I get a bit envious. They can easily make more in their paycheck than I for an equivalvent professional and experiential qualifications and they will definitely expect MUCH more in their pension benefits.
Yet, I will have the last laugh because I won’t stay around and pay for their pension! CalPers is so in the hole that it will take huge tax transfers to make good on their pension promises.
But I’ll just pack up and move out of state leaving someone else to hold the bag, if someone can be found.
36,
How long will it take for Obama to step in and bail out California with your federal tax dollars? Aren’t they too big to fail? Regardless of how much garbage that argument contains, is that not exactly the justification they will use?
As for those certain to respond, that there’s always emigration, think again, both the IRS and the UN are working to pass global taxation, so that no matter where you reside they can seize our assets.
It’s a global cultural/political war we are faced with, not a regional conflict.
35 @Geoffrey Britain
I’m painfully aware that I’m the new Kulak. I was actually going to comment on your previous post, because I agree with it. We Capitalist Roaders are getting the blame, thanks to the double-whammy of the government
educationindoctrination system and the government-media complex.I’m convinced that working within the system is a losing proposition. As you said, it’s going to burn no matter what. It’s been setup that way by Team Blue and Team Red together. Trying to fight the fire is a completely futile proposition for a common Kulak such as myself who has little financial assets and no political power. My priority is to do the best I can to attenuate the fire damage to my family.
The question is: what is to be done? Convince me that I should do something else other than hunker down and prepare. The old battle cry of “write letters, call your congressman, march, boycott, etc., etc., etc.” ain’t going to cut it. I’m really not being facetious; if you’ve got a new idea on a way to actually make a difference, tell me.