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Letters to the Editor

For Sunday, November 20, 2011

LAST UPDATED: 02:05 a.m. HST, Nov 21, 2011

HMSA rate increases discourage businesses

The Chinatown Business and Community Association represents many small business owners who struggle daily to meet their obligations and support the economy by paying rent, employees and taxes to our government. Medical insurance represents almost 30 percent of an employee's pay.

The Hawaii Medical Service Association's frequent rate hikes these past few years need to stop, at least for the time being, until there is hope that the economy is turning around and small business owners can afford to pay them.

If rates were approved, we are fearful that many will face unemployment and other hardships will follow, leading to vacancies in our storefronts, homelessness or people going without insurance coverage.

Our poll shows members are unhappy with reduced services with increased costs to individuals and employers. Our members resent the unfairness of HMSA having a flush reserve fund and unreasonably high pay for its CEO while yet also cutting back doctors' compensation and members' benefits.

HMSA needs to show more heart and aloha to its members, the doctors and other service providers and the people of Hawaii. They need to cut waste and unreasonable expenses but not reduce members' benefits, increase costs and create more hardship on our people.

Chu Lan Shubert-Kwock
President, Chinatown Business and Community Association

Adults can help kids as worthy role models

Diane Ravitch pitches a good point but misses the mark, whereas William McKenzie argues the mark but loses the point ("Family Bathwater: 'Education tests ignore role of family income,' by Ravitch, and 'Don't throw No Child out with bathwater'" by Mckenzie, Star-Advertiser, Oct. 3).

The bottom line is the worn, forgotten fact that education starts with the parents, guardians or mentors that the children have early in their development.

Yes, economics and government intervention play a role for us adults, but for the children this stuff goes right over their heads, not through them.

The answer is informing your children about their options by being worthy role models when it comes to everyday life.

Live on the street, or live your dreams? There are countless stories of children who from all walks of life have turned their lives around because of unselfishness and determination shown by us adults. The simple truth lies with us.

Put the cellphone down and tune out TV, while asking the same of your child. Talk about test scores, the bullying that comes from that, the pressures of social biases, the peer pressures and then, and maybe only then, once you may have gained their trust, you'll feel what it means to be a child left behind.

Jonathan Norris

Kaiser Permanente ad budget too large

I have been a member of Kaiser Permanente Hawaii for many years, and I have no complaints about the quality of the health care I have received. But I am concerned about the organization's massive advertising campaign -- themed "Thrive" -- which includes full-page, four-color ads in your newspaper.

These ads have been running with a frequency that approaches blitz proportions and, having worked in the advertising business, I know how much they cost.

Growth via new membership is an important part of business for Kaiser, and ad agency executives argue persuasively for their clients to maintain a strong media presence in tough economic times. But after an $800,000 third-quarter net loss, Kaiser might consider a trimmer, less-expensive campaign. Then maybe it could avoid a fourth-quarter loss, cancel or lower its requested 8.8 percent rate hike, and dispel the suspicion that "thrive" refers to the financial health of the corporation rather than the physical and mental health of its customers.

John Wythe White

Hawaii not an image to be mass marketed

The Asia-Pacific Economic Cooperation summit is over. Hawaii spent millions of dollars to make sure we looked good to the world. We tied up essential personnel (fire, police, ambulance, security forces the military, etc.) to make sure the island was safe for foreign heads of state. The homeless were moved out of sight and, in their place, trees planted. Roads, parking lots, beaches and other favorite island places were suddenly off limits.

The Star-Advertiser reported Nov. 15 that "early indications are the APEC conference might not have drawn 20,000 visitors nor added $165 million to the economy as forecast, but it likely gave Hawaii something of more value: a new image."

I didn't know we needed a new image. Image has little to do with the land, and more to do with the people on the land.

Now that APEC is over, we'll probably see the homeless back where they always have been and the trees removed from along Nimitz. It is our people who are important and of value. We are not an image to be marketed and portrayed to the world. We are lucky to live in Hawaii, because we are Hawaii!

Silvia Koch

Business hub vision mostly a pipe dream

APEC has local politicians dreaming again that Hawaii is the obvious international business hub of the Pacific Rim.

A state that is perennially voted one of the most unfriendly business climates by the U.S. Chamber of Commerce is last or nearly last nationwide in education, is one of the most highly taxed in the USA, manufactures almost nothing, and is run by a one-party pay-to-play political system?

Unless these facts are addressed and resolved, the politicians' dream of Hawaii as an international business hub will remain the hallucination it has been for decades.

Kenneth Stewart

Aloha shirts say a lot about island-style life

Buying an aloha shirt was the first thing I did on my first trip to Hawaii in 1983. That shirt, which I still own, says "welcome, relax, and enjoy the beauty of our islands."

The APEC leaders were given high-quality aloha attire that they fully expected to wear for the group photo, as is traditional for the meeting. President Barack Obama's decision to forgo wearing the aloha attire for the photo was silly and a wasted opportunity to promote Hawaii.

The whole world already knew the APEC meeting was in Hawaii. Wearing coats and ties for the photo did not hide that fact. Aloha wear is a big export item for Hawaii and loved the world over.

After all the painful traffic delays and other inconveniences we locals endured for APEC, having the attendees wear aloha attire for the photo was the least Obama could have done.

Rhoads Stevens
Hawaii Kai

UH Wahine deserve more media respect

Unbelievable! Our sad University of Hawaii Warrior football team gets featured on Page 1 of the Nov. 13 Sports section while our winning UH Wahine volleyball team gets relegated to Page 3.

They each could have at least shared Page 1.

Maybe if Coach Greg McMackin earned the same (low) salary as Coach Dave Shoji, the football team might start winning?

Gwen Heliker

Introducing pest is on firm scientific ground

Kelly Greenwood has confused fact and opinion in her discussion of biocontrol of strawberry guava ("Introduced gall mites could get out of hand," Star-Advertiser, Letters, Nov. 14).

First she claims a mite will be released to control strawberry guava. Actually, it's an insect related to the one that produced the biblical manna in the Sinai Desert; rather impeccable credentials.

Second, she claims that all organisms evolve over time. Again not true. Turtles and crocodiles have been happily doing their thing since the Triassic, way before the whole "Jurassic Park" scene with T. rex, triceratops and velociraptors.

She thinks ohia and strawberry guava are closely related. They are both members of the plant group the Myrtacaea, but there are 5,650 other species in the Myrtacaea.

She thinks there is no science behind this decision. There is more than 10 years of good science by hardworking people who won't make a dime on this. These are people who love ohia and Hawaiian forests.

I guess it boils down to: Some of us see manna from heaven, others just see insect droppings. Some of us want to save Hawaiian forests, others are more worried about the gigantosaurus under our bed.

David Duffy
Botany Department, University of Hawaii-Manoa

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tiki886 wrote:
IRT Ms Shubert Kwock. Apparently HMSA was not a donor to the Obama Campaign, otherwise it would have received its waiver from Obamacare.
on November 20,2011 | 03:51AM
OldDiver wrote:
The monopolistic health insurance industry is raising rates ahead of the 2012 Obamacare rules which will restrict profits.
on November 20,2011 | 10:56AM
tiki886 wrote:
It won't restrict profits, it will eliminate profits thus guarantying a total government takeover of the healthcare industry. At which point "insurance" is a meaningless word. Insurance will mean another 'pay as you go' government ponzi scheme. Government does not 'insure', it merely guarantees a welfare payment.
on November 20,2011 | 12:01PM
OldDiver wrote:
on November 20,2011 | 04:09PM
tiki886 wrote:
Government can't even operate a simple service as delivering the mail without going bankrupt and you are willing to entrust government with your health? If I needed the services of surgeon, I would expect him to be a multimillionaire, not the equivalent of a public defender.
on November 20,2011 | 12:29PM
OldDiver wrote:
More nonsense.
on November 20,2011 | 04:09PM
tiki886 wrote:
If I asked my physician, "How much do you make?" and he said, "$10 an hour". I would say, "Don't touch me!" I'm going to fly to Cuba for better health care. But if I wait long enough, Hawaii will be no different than Cuba! Viva La Revolucion!
on November 20,2011 | 12:39PM
DonGa-me wrote:
Some Doctor needs patients to practice on. Best you learn to speak Spanish.
on November 20,2011 | 07:05PM
Toneyuki wrote:
HMSA is a non profit.
on November 20,2011 | 01:31PM
false wrote:
Hawai`i can be so silly. Aloha shirts should have been required dress for APEC. Strawberry guawas are holding up the hillside my house sits on. Strawberry guawas are as invasive as the bamboo forest beside it and the eucalyptus above it. So how does getting rid of one thing solve the invasive plant problem. Take one out, the others expand and take over more territory. Silly logic.
on November 20,2011 | 04:27AM
Toneyuki wrote:
Aloha shirts should have been required? Hey world leaders, come have your conference here, but one requirement, you have to where the shirts we say! You're right, that would be silly.
on November 20,2011 | 04:43PM
DowntownGreen wrote:
And it was a b*tt ugly shirt to boot.
on November 20,2011 | 05:49PM
nitestalker3 wrote:
if you guys think the hmsa rate increase is bad for business and jobs, wait til obamacare really kicks in and see what the costs are to the business bottom line and the population's job prospects.
on November 20,2011 | 05:17AM
ehrhornp wrote:
As if the medical industry has done a good job in controlling costs over the past half century. Tell me are you proud of the fact that medical care is almost double of what the rest of the world pays? Yes, no need to do anything about medical care.
on November 20,2011 | 08:15AM
wiliki wrote:
Indeed, that's why Obama suggested the public option. If anyone is worried about rising medicare costs, then they should be even more concerned about private care. Insurance company costs are raising even faster than medicare. Main reason is they spend so much for executive salaries, advertising, and legal costs to avoid paying valid claims for health care. There's a study some place that their administrative costs are around 30% while medicare administrative costs are around 4%.
on November 20,2011 | 10:07AM
Toneyuki wrote:
Once again, the absolute lie that private insurance admin cost are 30%. That's like saying there is a study someplace that says Aloha shirts at Ala Moana are 80$. You might find some at Macy's or NM that high, but that doesn't mean that they all are.

Admin costs of private health insurance average 16%. That is including the "evil CEO salaries" There are studies that theorize that more than that is lost in medicare just in waste and fraud. On top of that, doctors are much more willing to take private insurance. Why? Because they get reimbursed more, there is less red tape, and it is reliable. Also, which insurance company "avoid paying valid claims for health care"? Number one is Medicare and Medicaid by far. They avoid paying over 6% of claims compared to less than 3% in the private industry. And something else that Medicare doesn't pay in their admin costs is TAXES.

on November 20,2011 | 04:52PM
KeithHaugen wrote:
IRT Rhoads Stevens: Yes, Obama really blew it on that one; then he went to Indonesia and reportedly donned a traditional Indonesian outfit. Instead of appearing relaxed in an aloha shirt, the APEC group looked like a bunch of stuffed shirts in silly suits. It was not so much a disrespect of Hawai`i and things Hawaiian as it was a reflection on the intelligence of the gathered leaders. And not wearing the prefered local attire was just part of keeping the so-very-important visitors from seeing anything that would smack of Island or Hawaiian culture -- closing `Iolani Palace, banning canoe paddling on the Ala Wai and surfing off Waikiki where they might be seen by the visitors; keeping the public from a major local "veterans" event at Punchbowl; and so on.
on November 20,2011 | 06:14AM
tiki886 wrote:
If I wanted to attract convention and conference business from the mainland and around the world and my reputation as a destination was more pleasure than business, I'd want exactly what APEC did for Honolulu. The "uniform" of business around the world is not Aloha Shirts, it is a dark suit and tie. If I needed the services of a surgeon, I do care that he does not show up in the operating room with an Aloha Shirt. If I needed the services of a high priced attorney to defend me against false charges, I do not want him showing up in court with an Aloha Shirt. Yes, I do care that the Pilot of my plane does not show up in an Aloha Shirt when he is entrusted with the lives of several hundred passengers. When President Obama showed up on vacation a few years ago wearing a T-shirt, shorts and slippas, that was not an image for the 'Leader of the Free World' to portray even if he is on vacation. Do you get it now!?
on November 20,2011 | 07:32AM
KeithHaugen wrote:
We all know that coats and ties are required for lawyers in court. Its an old custom in the legal profession. We used to keep a tie and suit coat in the City room for reporters who had to cover a story in the Supreme Court where that rule was enforced. But an aloha shirt will not take away from the skills of a pilot, if they were not required to wear a uniform, or from a surgeon. I'd think twice if my doctor showed up in a "business" suit. When Obama showed up in Hawai`i in a T-shirt, shorts and slippers, he was loved by local folk who know that "its not the clothes that make the man." Some folks have to wear suits to impress themselves or their old-fashioned bosses, and to feel important; some don't need to. I recall being required to wear a suit, dress shirt and tie when I worked for the federal government 50 years ago. But little by little, that too is changing, and soon the only people required to wear a necktie will be lawyers and Mormon missionaries.
on November 20,2011 | 10:43AM
Anonymous wrote:
Thanks Gwen... here in Volleyball City, USA, where our Wahine Volleyball is almost always the winningest athletic team at the UH-Manoa, it is a shame that we pay the other coaches more than Dave Shoji. His should be raised; and theirs (football, basketball, baseball) should be brought down to the amount Shoji is paid.
on November 20,2011 | 06:32AM
lee1957 wrote:
Gwen, Here is my two cents. A few weeks ago, UH hosted the WAC cross country championships. Granted, cross country isn't exactly a top tier sport, but hosting a conference championship with zippo coverage. No print, no tv. SA sports page is pathetic
on November 20,2011 | 10:16AM
Anonymous wrote:
The BIG problemwith HMSA raising their rates when they are earning big profits is that HMSA is theoretically a not-for-profit organization and enjoy tax breaks that the members can only dream about.
on November 20,2011 | 06:35AM
OldDiver wrote:
Non-profit simply means there are no shareholders. HMSA operates the same way the rest of the monopolistic healthcare industry operates on this country. Their executives pay themselves millions of dollars in salaries and bonuses which is paid for by your monthly health insurance payments.
on November 20,2011 | 10:53AM
Toneyuki wrote:
Absolute nonsense OD. The CEO of HMSA makes just over 1 Million. That isn't much for the person that is responsible for an entity that deals with 2 BILLION dollars a year.
on November 20,2011 | 05:07PM
DonGa-me wrote:
Why should they be paid if the business is not making money? That kind of CEO is not worth the money. They should cut their bellies if they fail. They talk tough but can they?
on November 20,2011 | 07:10PM
Toneyuki wrote:
Hello LemonySnickets. Did you enjoy your vacation from the SA?

The problem with your premise is that HMSA is a non profit. They are not supposed to make money.

on November 20,2011 | 07:31PM
DonGa-me wrote:
Did you enjoy yours? Never was on vacation. Seems you need one.
on November 21,2011 | 07:48AM
DonGa-me wrote:
Say hi to Yuki for me.
on November 21,2011 | 07:51AM
DonGa-me wrote:
Say hi to Yuki for me.
on November 21,2011 | 07:51AM
Toneyuki wrote:
HMSA pays out 90 cents on the dollar. less than 9% goes to administration costs. The other 1-3% is required to be held in case of unexpected expenditures. They are not earning "big profits".
on November 20,2011 | 04:58PM
DonGa-me wrote:
"The problem with your premise is that HMSA is a non profit. They are not supposed to make money." ~ Toneyuki
on November 21,2011 | 10:40AM
Anonymous wrote:
i think david duffy is referring to kelly greenwell-a former councilMAN from the kona district of the big island
on November 20,2011 | 07:11AM
Pacej001 wrote:
With Mr. Obama's class warfare campaign in full swing, it might be interesting to know how much taxes would have to go up under current law to pay for the current debt and deficit projections. Bottom line: The evil rich alone don't have enough money to address the problem: "According to the CBO: Tax rates would need to be raised by "sub­stantial" amounts to finance projected spend­ing. Specifically, "[t]he tax rate for the lowest bracket would have to be increased from 10 per­cent to 25 percent; the tax rate on incomes in the current 25 percent bracket would have to be increased to 63 percent; and the tax rate of the highest bracket would have to be raised from 35 percent to 88 percent. The top corporate income tax rate would also increase from 35 percent to 88 percent."[4] "Such tax rates would significantly reduce economic activity and would create serious problems with tax avoidance and tax eva­sion. Revenues would probably fall signifi­cantly short of the amount needed to finance the growth of spending; therefore, tax rates at such levels would probably not be economi­cally feasible."http://www.cbo.gov/ftpdocs/92xx/doc9216/05-19-LongtermBudget_Letter-to-Ryan.pdf
on November 20,2011 | 07:49AM
wiliki wrote:
Too many extremely rich pay less then their secretaries. Increasing their rates so that they do pay more will decrease our national debt by $1 trillion. It's the responsible thing to do when the 1% is not paying their fair share.
on November 20,2011 | 10:12AM
lee1957 wrote:
Maybe the fat cats should pay their secretaries better.
on November 20,2011 | 10:17AM
Pacej001 wrote:
I'll have to admit that reading and thinking are huge challenges for some. For example, a brief reading of the blurb I posted should lead a thinking person to ask a simple question: Can we raise taxes high enough, given our massive unfunded national liabilities, to pay for the debt and entitlement programs? The answer is no. It is obvious and irrefutable. NO. ----Just taxing the rich won't work. Just taxing the 1% won't work. Just taxing corporations won't work. Just believing in talking heads who offer no debt/entitlement plan won't work. If the synapses don't fire on the simplest logic to answer the simplest question, "can we afford to pay for it?", then nothing will work.
on November 20,2011 | 10:37AM
Toneyuki wrote:
1 Trillion? Really? If politicians got an increase of 1 Trillion in tax revenue, where would it go? They would spend it!!!!!

Too many extremely rich pay less than their secretaries. While this is true for George Soros and Buffet, well over 90% of the top 1% pay over 30% of their income in taxes. The average for the lower 80% of people is less than 30% and that includes ALL taxes, payroll, state, property, gas, etc...

on November 20,2011 | 05:22PM
wiliki wrote:
Let the people decide and vote the Republicans out in 2012. Pass the Obama Jobs Bill. See what Krugman says about this.... http://www.nytimes.com/2011/11/18/opinion/krugman-failure-is-good.html?_r=1&partner=rssnyt&emc=rss
on November 20,2011 | 10:25AM
Pacej001 wrote:
Dear Mr. VanWinkle, The Republicans ARE out. PS. Krugman is a partisan hack.
on November 20,2011 | 10:39AM
nitestalker3 wrote:
if you've been following congressional activity at all over the last two months, you would have seen that ALL the demos in the senate voted against obama's jobs bill. some day you're going to have to turn the looking glass over and look thru the realistic side and not into la la land.
on November 20,2011 | 01:07PM
Toneyuki wrote:
Krugmans latest rant is titled "failure is good". That should tell you something right there. Who is it that keeps spouting the nonsense that "Republicans want America to fail just so they can beat Obama"? And yet here we have a hero of the left saying failure is good. Hmmm.
on November 20,2011 | 05:26PM
soundofreason wrote:
"Second, she claims that all organisms evolve over time. Again not true. Turtles and crocodiles have been happily doing their thing since the Triassic, way before the whole "Jurassic Park" scene with T. rex, triceratops and velociraptors." >>>Evolution does NOT mean the extinction of the original organism. Just because the original base organism (turtles and crocodiles or PLASNTS) are still around does NOT mean there hasn't been mutations along the way that formed differently and went on to be successful. That being said, I find myself very concerned that you, a botanist, can turn a blind eye to rationalize what you want to beleive. P.S. I don't think it was a tire salesman who "suggested" we also bring the mongoose over here - probably somebody closer to your profession. How's that working out?
on November 20,2011 | 08:11AM
Bothrops wrote:
The plantation owners were the ones who brought the mongoose in. It was in 1883, so you are right that it probably wasn't a tire salesman. Meanwhile, do you have any actual evidence that this bug is going to evolve and eat other things beside strawberry guava?
on November 20,2011 | 08:32AM
wiliki wrote:
Indeed. Why is the public ignoring common sense and good science? You'd think that they still don't believe that the world is a sphere. Too many flat-earthers today.
on November 20,2011 | 10:14AM
soundofreason wrote:
Let's go with history. Butterflies.......17,500 species of butterflies - all mutations from something. If I could put them all in a bag and lay them on you.....you'd die from the weight of my evidence.
on November 20,2011 | 10:16AM
Toneyuki wrote:
on November 20,2011 | 05:30PM
Bothrops wrote:
"Float like a butterfly, sting like a bee" but then you wouldn't understand that until you got a right upper cut from my friend MA. 17,700 butterflies versus one croc? Bring it on! You appear a prime candidate for the Darwin Award, assuming you have not contaminated the world with your DNA.
on November 20,2011 | 08:01PM
soundofreason wrote:
I have nothing to say that you could relate to other than.........your mama.
on November 20,2011 | 09:04PM
Bothrops wrote:
that was intelligent. Is this the result of inbreeding or are you a crack baby?
on November 20,2011 | 09:45PM
notdumboe wrote:
About our rail contracts. The united states needing jobs, how come we giving the foriegn companies the rail jobs . Our president is stresing,JOBS< JOBS JOBS, and here in his HOME STATE we give the JOBS to foreign countries??
on November 20,2011 | 09:49AM
nitestalker3 wrote:
this is NOT obama's home state. he was born here, yes...but his home state is illinois. that's where he resides...that's where he votes...that's where he represented. when are people ever going to get that right.
on November 20,2011 | 01:10PM
mrluke wrote:
This page REALLY, REALLY needs a "like" button.
on November 20,2011 | 01:31PM
Toneyuki wrote:
Mahalo for pointing that out. But of course, since it is true, it will be ignored by the Obama lovers.
on November 20,2011 | 05:32PM
wiliki wrote:
David Duffy has a good point. People keep saying really really stupid things about the Strawberry Guava invasive plant. Why doesn't the SA set the record straight? Too many are confused and grandstanding about a non-issue.
on November 20,2011 | 10:03AM
stanislous wrote:
I own several businesses... I am a millionaire... I dress and conduct my business in an aloha shirt. If a client requests that I wear a coat and tie, I tell them that it will cost an additional $500 per hour. Funny, they suddenly think that aloha wear will be just fine. LOL LOL LOL
on November 20,2011 | 01:38PM
Toneyuki wrote:
An invasive species is introduced to Hawaii and spreads around endangering the local fauna. So what do our brilliant scientists want to do? Introduce another invasive species of course! One that "The scale is not capable of killing strawberry guava trees, only acting as a check on their growth and spread." http://www.fs.fed.us/psw/programs/ipif/strawberryguava/biocontrol.shtml#anchor.2

All that will happen is that we will have another alien pest spread across our beautiful islands.

on November 20,2011 | 05:49PM
DowntownGreen wrote:
You would think they would have learned the lesson of unintended consequences by now... but apparently not. Ridiculous, isn't it?
on November 20,2011 | 05:55PM
Toneyuki wrote:
It's always amazing when people think they can control nature. Destroy nature, yes we can do that. Damage ecosystems, yep we can do that too. Fix mistakes by introducing another mistake? Sounds like a smart idea! /sarc
on November 20,2011 | 07:52PM
DonGa-me wrote:
They still coming from the Mainland huh? Most aliens are from south of the border.
on November 20,2011 | 07:14PM
soundofreason wrote:
Exactly right.
on November 20,2011 | 07:29PM
Bothrops wrote:
more racism. But it is good to hear from the shallow end of the gene pool. Say that in Texas and vas a ser sin cajones, pues pareces que nunca tuviste.
on November 20,2011 | 08:03PM
Toneyuki wrote:
That makes no sense what. so. ever. What bodda you? You complain about racism where none exists and then use Spanish to try and insult?
on November 21,2011 | 12:29AM
DonGa-me wrote:
I stand behind my comments. 100%. I will always use the same username. Who cares if it's not my real name. If yo met me on the street you would judge me by the impression that you get from me in person. I could have just as easily made my user name look like a real name that wasn't mine, and give someone a bad name, or make you think I am someone I'm not. At least with a handle, you know I'm not trying to deceive you. But there are a lot of crazy people out there. That would use that kind of information to do bad things.
on November 21,2011 | 08:04AM
Bothrops wrote:
so please, please don't get a flu shot. Let "another alien pest spread across our beautiful islands". You and 'sound of reason" can show the rest of us exactly how intelligent it is to avoid biocontrol.
on November 20,2011 | 08:07PM
Toneyuki wrote:
Your analogy is lacking credibility. Getting the flu shot protects you from getting a virus that will be spread throughout society. Getting the flu shot does nothing to the environment around you except that your body won't be a temporary carrier of the influenza virus. The flu shot will not spread throughout the public and cause some people to be sterile and ugly growths to grow on their bodies.

Introducing the mite to control the strawberry guava trees will have several side effects besides just slowing them down from spreading. 1. They make the trees look ugly. 2. People could be allergic to them. 3. MOST IMPORTANT Once they are here, they are here for ever.

Yep, あなたはとても賢い

on November 21,2011 | 12:41AM
peanutgallery wrote:
There is nothing wrong with health care in America. There is something terribly wrong with the health insurance industry. It is the scam of our lifetime. They have no incentive to contain costs. They simply raise rates when the bottom line isn't fat enough. Take away guaranteed third party payments to doctors and hospitals, and medical costs would plummet. Go back to cash for service. This insurance industry is ripe with fraud and deception. There are only 9000 people in the entire state of Hawaii that bear the full cost of their own health insurance. The rest are covered partly, or totally, by their employer. This is a fact, and it is not disputable. Anyone can verify it by calling the insurance commissioner's office. Since Obama took office insurance rates have skyrocketed. It is a complete con. Government takeover of health insurance is a democrats' dream come true. It is dream-land. Kool-Aid-ville. America, love it, or LEAVE! You like Europe? MOVE THERE!
on January 18,2012 | 12:15PM
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