 and figure out why that is. The other thing I think that we should do is look at when insurers announce that they're gonna have a 60% increase. I think we need to have them prove to us, did they do 60% more surgeries or did the price of one surgery go up by 60%? My time is up. So I could use my bonus minute to finish that sentence. We'll come to Dale and then we can go back and we've got a revoked time too. Well, we can do a lot of things and Phil has discussed a lot of them. I'll tell you one of them that is really frustrating and especially as you work with constituents trying to answer some of the many questions they have on health insurance. We got nine separate regions in the state of Minnesota that our insurance commissioner juggles around as to who can offer what kind of insurance, how many plans, and there's some huge, huge disparities in costs and availability right now. And again, this goes back to, boy, government's in the middle of it. And for example, here in Crow Wing County, you've got the opportunity, if you're in the individual market, you can pick from 18 different plans. Just down the road, Nacon County, you can pick from 24 different plans. Now, that seems like a lot, but compared to our friends in the metro area, their choices are in the fifties and sixties. So they've got a lot of competition down there. What you pay for various aspects, whether it's health insurance or a procedure in the hospital should not be based on where you live. It really should be on the actual cost and we need to clean out a whole bunch of middle people that are in the way that are, I think, directly responsible for this wide variation in the cost of procedures, the cost of insurance. Some of that's a government problem, and some of that is an industry problem. And that's where we're gonna need some real leadership in the governor's office with our insurance commissioner and also our Department of Health to begin to really dig in and try to attack these problems rather than just kind of go along with what's going on because it's unacceptable. Thank you. Phil, you still have your red bottle one minute here. Okay. Yeah, as I was saying, there's really only four things that can happen when you get a bill that says your premium is going up 67% or 24%. Either the cost of a procedure went up by that amount or they did that many more procedures and therefore they came up short on money or their administrative cost went up by that amount or their profits went up by that amount. And I think if we screwed down and found the real causes of why these premiums are doing what they're doing, then we could make a better choice at how to fix the problem. Thank you, Dale. Any other comments? No, I think it's just a lot of work has to be done in this area a lot. Okay, thank you. Oh, okay, we're down to the closing comments time. And I think we will each, you'll have two minutes and we will start with you, Dale. Well, I go on again, thank everybody here for putting this forum on and Phil for participating. I think we've really covered a lot of important subjects and particularly want to thank the viewers for taking the time to listen to the things we've discussed. During my two terms in the legislature, I frankly, I've earned the respect of my colleagues on both sides of the aisle as fair-minded and issue-focused. I work well with both DFL and my Republican colleagues. We've done a lot of bipartisan bills where I've helped DFL folks get something through or they've helped me get something through. I enjoy very broad support starting with, for example, I'm pro-life, I'm supported and endorsed by the Minnesota Citizens for Concern Life, Second Amendment supporter, I've got an A rating for NRA and the Minnesota Gun Owners Association. But it goes way beyond that, I'm supported by Farm Bureau, by the Minnesota State Cattlemen's Association, Minnesota Chamber of Commerce Leadership Group, now National Federation of Small Businesses and even though I'm a Republican, I'm also endorsed by the Operating Engineers Union, by the Carpenters Union, by the Pipefitters Union, I've got awards from the League of Minnesota Cities for some of the many things I've done. I'm supported by Mining Minnesota and the Iron Mining Association. In my daily travels, what I hear from the folks out there is let's be reasonable, let's set priorities and let's be balanced in how we deal with government. Stop experiment with healthcare, fix it right the first time, get busy on mental health and addiction treatment programs, and continue to fix our roads and bridges, take good care of our seniors, that's what I'm about, about getting the job done. So thank you and I appreciate your support on November 6th. Thank you, Dale, Bill. Thank you and thanks to Lakeland Public Television and Brainard Dispatch and KXE. People are demanding results. Our economy hasn't improved the lives of too many people. They understand that bipartisanship is blocking compromise and progress. It's time for a moderate voice of reason. I have a proven record of operating in the middle and if elected, I'll advance the interests of 10B by working with whoever controls the house or the governor's office. I understand small business and I appreciate the needs of workers. I'm not a career politician, I'm a public servant. You will see a renewed emphasis on constituent services if I'm elected. Working families of 10B have been falling behind for too long and it's time they are represented over special interests. We need sound policy over party politics and packed pledges and endorsements. I will represent the voices of veterans, workers, families and seniors. Too little effort has been given to earn the trust of younger voters and I will work towards long-term solutions to provide real opportunities for the next generation. I will oppose short-sighted budget schemes that force us to borrow from schools, cut aid to local governments or otherwise shift costs around simply so the state can claim victory that they didn't raise any taxes. It's about being honest with the public and after all, it's not about how long you govern, it's about how you govern for the long term. It's time for 10B to be represented by a moderate voice of reason. My name is Phil Yetzer and I ask for your support on November 6th, thank you. On behalf of Lakeland PBS, thank you both for joining us tonight and sharing your views with our audience, it's greatly appreciated. If you missed any portion of this evening's debate, in 24 hours it will be posted on our website, lptv.org. You may also catch a recap of tonight's debate on tomorrow's Sunday edition, even though it comes out Saturday, for the Brainer Dispatch and you can see that at brainerdispatch.com. Coming out at the top of the hour at eight o'clock, we will be doing our final debate. It'll be a race district 10A between Joss Heitzman and Dale Mink. Thank you for joining us and hope we'll see you back here at eight o'clock. Thank you. Programming on Lakeland PBS is brought to you in part by family-owned and operated Shafer's Foods in Niswa. Shafer's is dedicated to bringing you a wide selection of products and friendly service, Shafer's Foods.com. The Brainer JC's and Brainerd Community Action, inviting you to the Distinguished Service Awards October 25th at the NP Event Center and Brainerd. Tickets and information online at brainerdjcs.com events. And the members of Lakeland PBS.