WILLIAM DUNKELBERG, THE CHIEF ECONOMIST with the National Federation of Independent Business, is used to being a sorehead when major health-care legislation is offered by Washington. Back in 1993, when then-First Lady Hillary Clinton's health-care bill was in play, a member of the president's Council of Economic Advisors called Dunkelberg to ask why NFIB opposed the bill. Since it specifically exempted most small businesses from having to participate, what possible grounds could the membership have to object? "I told him," recalls Dunkelberg, "that we object because we're not stupid. Legislation like this proceeds in steps. First, get a bill passed...