 Obamacare and the debt interest. If we don't do anything about those programs, people are headed for some really, really uncomfortable pain when those programs start getting cut within the next decade. And so the time to start thinking about solutions is right now. Well, and in fact, I think the time to think about it was 30 years ago, but some of us have been talking about it that long, and yet nobody wants to touch the third rail, because