[FITZ]

For those who aren't expected to pay even a dime and who have little else to do --- which includes millions of foreigners and their children and the elderly --- it does seem they go mostly because they enjoy going. Costs them nothing.

[Harmless Teddy Bear]

Costs them nothing.

Another big problem is the co-pay system. I have good health insurance that costs me $12.00 a month. Catch is that there is a $3,000.00 deductible. I have no problem with this, I go to the doctor maybe twice a year and, not counting proscriptions, spend under $500.00 a year on everything. If I need it for major medical it is there.

I think I am the only person in my branch who chose this plan. The rest chose the kind where you pay $10.00 or $20.00 a visit and they go for a stubbed toe.