I don’t agree with the idea that this is accidental. It’s the specific thing they do, they do it with rigor and engineering. If they get it wrong they go out of

I don’t agree with the idea that this is accidental. It’s the specific thing they do, they do it with rigor and engineering. If they get it wrong they go out of business. They are the central agents of information discovery and we all reap the benefits of the massive amount effort they put into those activities. If anything I think we should be endeavoring to make health insurance more like traditional insurance to provide those efficiencies more broadly