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					Originally Posted by PaulS  And what did the tort reform have to do with my initial statement?  Nothing. Isn't that an opinion?
 As I said, I'm sorry but I really don't think you're an actuary.
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 Sigh.  You said tort reform was "small bucks".  Then you claimed that you made no assumptions.  Your statement about tort reform was an assumption, and a poor assumption at that.
"I really don't think you're an actuary"
You also "don't think" tort reform is a potential source of significant decreases in healthcare costs, despite the fact that any living OB/GYN or neurosurgeon would disagree with you.  Doctors are literally being driven out of the OB/GYN field baceuse of Medical Malpractice insurance costs.  So I'm not all that concerned with your thoughts...