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But let me give you an example.  If you’ve got a house and you’ve got a big hole in your roof, and it’s raining and snowing through that roof and there are some people who are inside the rooms where the roof is okay and they’re nice and warm, and then you got a few -- your family members in that room where there’s a big hole in the roof and they’re shivering, and they’re cold -- if you repair the roof, that’s going to cost some money.  But if all the water damage from your floors and all the heat that’s going out of the roof, you count all those savings, over time it may turn out that it actually is saving you money and, by the way, all those family members now are warm, too.  You’re not the only one who’s warm, right?  That’s essentially what we’re trying to set up.

Now, last point I want to make.  All those savings that we’re anticipating, we don’t even count those when it comes to making sure that this is deficit-neutral.  Here are the two ways that we’re paying for this thing:  Number one, we are eliminating a whole bunch of waste, fraud, and insurance subsidies that were being paid out under Medicare that aren’t making our seniors any healthier.  I mean, you’ve got a pretty sweet deal for insurance companies right now in a program called Medicare Advantage where they get $18 billion a year paid to them to manage a Medicare program that about 80 percent of seniors are getting directly from the government, and it’s working just fine.  It’s just a subsidy to them that doesn’t make anybody healthier.  So what we’re saying is, well, let’s eliminate the subsidy.  So that’s about how we pay for half of this thing.

The other half of it, it is true that we have identified some additional taxes that we think are fair.  And let me describe, just to give you an example -- I don’t think this will affect you, but I don’t know -- I don’t know your family’s circumstances.  Right now, if you’re on salary, you get your salary from Celgard or any of the companies around here, you’re paying your Medicare tax on all of that, right?  You see it on your -- it’s part of your FICA.  But if you’re Warren Buffett and you get most of your money from dividends and capital gains, you don’t pay Medicare tax on that.  You’re eligible for it.  You’re going to get the same Medicare benefits as anybody else.  But because your source of income is what’s called unearned income -- capital gains and dividends -- you don’t have to pay this.

Well, I’m thinking to myself how is it that the guy who is cleaning up the office is paying the Medicare tax and the guy who is making capital gains isn’t?  So what we said was, look, if you make more than $200,000, $250,000 a year, then that money that you make over $200,000, $250,000 a year that’s unearned -- that’s from capital gains and dividends -- you should have to pitch in to Medicare just like everybody else, because you’re going to be using it like everybody else.  So it’s a concept of fairness.  (Applause.)

Now, what the Congressional Budget Office has said -- I’m sorry, by the way, these questions sometimes are -- or these answers are long, but I want to make sure you guys -- that I’m really answering your question.  I hope you feel like I really want to respect the importance of your question.  What the Congressional Budget Office has said is that as a consequence of the savings from the waste and fraud, combined with the new revenue sources I just mentioned, that this thing is going to actually reduce our deficit by over a trillion dollars -- over a trillion dollars.  We’re actually saving money for the government -- because we closed the roof, the house is now insulated, it’s warm.  And by the way, in the meantime we’ve got a whole bunch of people who were left out in the cold who are now being taken care of.

That’s the concept.  But I know that for a lot of people, they’ve got a legitimate concern about, gosh, it just seems like government spending is out of control.  I understand that.  I feel that.  But understand what happened:  When I walked in, we already had a $1.3 trillion deficit.  That’s an annual deficit of $1.3 trillion.  That’s -- the day I got sworn in, before I did a thing, we had $8 trillion in accumulated debt from the war in Iraq -- not paid for; the prescription drug plan, Medicare Part D -- not paid for; Bush tax cuts -- not paid for.

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