If you remove the million dollar executives and their needs from the equation, costs to the consumer come down. Take banking for instance - I just received notice from my Not-For-Profit Credit Union that I had insufficient funds in checking to cover my last mortgage check. They transferred the cash out of savings and charged me $5.00. Why don't we have a national credit union and a public option in insurance? Good (insert your preferred Deity here) people!! We must look so stupid from space.