At some basic level, you could say that the problem started with insurance, but that’s not to say that insurance is a bad thing. What those insurance policies did was to separate the payment from the services, and in the early days, we became blind to what was paid because we didn’t pay it ourselves. Up until a couple decades ago, if you had good insurance, your insurer pretty much paid everything. Now, that’s not the case anymore because people have higher co-pays and higher deductibles, and suddenly they’re saying, “Whoa, how did things get so expensive?” This allowed the system to become so costly, because consumers didn’t notice for a long time.