Now finally we are to the original question. What will happen to the prices of private insurance once more people choose the cheaper and less people are getting better quality private? Of course it will go up. Which in turn will led to more and more people who can't afford private, which will in turn lead to even higher prices, leading to less customers till finally bankruptcy on their part. Unless they want to spend more tax money to bail them out again. So I hope that helps with a legitimate answer to your question Jimmy.