Aside from being UNCONSTITUTIONAL, HR3200 will have serious implications for small businesses, the backbone of the U.S. economy. Shelly gives a common sense, layman's explanation of the pitfalls of this legislation. Remember, government regulations, and lack of enforcement of the COnstitution currently constricts competition across state lines, driving up the cost of insurance. Tort reform should be a consideration...and of course the immoral, unconstitutional Federal Reserve devaluing our currency since 1913!!!! PLEASE SHARE THIS VIDEO!!