<html><body><div style="color:#000; background-color:#fff; font-family:times new roman, new york, times, serif;font-size:12pt"><div><span>Jay,</span></div><div><span></span> </div><div><span>Again you are trying to claim the facts are not the facts with semantics, what-ifs, and numbers games to defend an outdated incorrect sociopolitical philosophy long <span id="misspell-0"><span>disproved</span></span>. The standard of living for people outside the top 1% in modern nations with Universal Health Care is way higher. <i>That is fact.</i> </span></div><div><span></span> </div><div><span>In terms of <span id="misspell-1"><span>taxes</span></span> and wages; The average wage of a worker in the US is only $25,000 a year. The average in Germany is $60000. So even at a 40-50% taxation, they not only have more money after taxes, they also don't have health care debt, no college loan debt, or have to try and save for
retirement, health care, and possible loss of job. And even if they do manage to save, which most cannot do, it can all be wiped out in a single hospital bill. How long do you think your coveted 15% tax rate will last as the cost of heath care and medicaid rises 15% a year and the national debt reaches critical levels? </span></div><div><span></span> </div><div><span>As for Social Security, I think it is the most <span id="misspell-2"><span>efficiently</span></span> run government program. 99% of its collections go to payments. A 1% overhead and operations cost beats 99%+ of <span id="misspell-0"><span>privately</span></span> run businesses, and I bet yours too. The major problems with Social Security are directly and indirectly related to the broken health care system of the United States as is the national <span id="misspell-1"><span>deficit</span></span>. </span></div><div><span></span> </div><div><span>It is not a lopsided model when
the majority of people live the greatest standard of living the world has even know. And not to just work for the sake of making the top 1% the biggest <span id="misspell-2"><span><span id="misspell-0"><span id="misspell-0">glutens</span></span></span></span> the world have ever known. The People should work for sake of themselves, not the sake of someone else. There is no motivation to work and save for most Americans when it is all taken away from them<var id="yui-ie-cursor"></var> by medical and law offices. </span></div><div><span></span> </div><div><span>Donovan Arnold</span></div><div><span></span> </div><div><span></span> </div><div><br></div> <div style="font-family: times new roman, new york, times, serif; font-size: 12pt;"> <div style="font-family: times new roman, new york, times, serif; font-size: 12pt;"> <div dir="ltr"> <font size="2" face="Arial"> <div style="margin: 5px 0px; padding: 0px; border: 1px solid rgb(204,
204, 204); height: 0px; line-height: 0; font-size: 0px;" class="hr" contentEditable="false" readonly="true"></div> <b><span style="font-weight: bold;">From:</span></b> Jay Borden <jborden@datawedge.com><br> <b><span style="font-weight: bold;">To:</span></b> Donovan Arnold <donovanjarnold2005@yahoo.com>; Moscow Cares <moscowcares@moscow.com>; keely emerinemix <kjajmix1@msn.com> <br><b><span style="font-weight: bold;">Cc:</span></b> vision2020@moscow.com <br> <b><span style="font-weight: bold;">Sent:</span></b> Thursday, January 19, 2012 11:18 PM<br> <b><span style="font-weight: bold;">Subject:</span></b> RE: Borden and Universal Health Care Use the Same Business Model<br> </font> </div> <br><div id="yiv803812266"><style><!--
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--></style><div><div class="yiv803812266WordSection1"><div class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>With the exception of Japan, every nation you listed has a higher average personal income tax rate than the United States. (Japan makes up for it with their corporate income tax rate). France, Germany are over 50%. Sweden is almost there with just under 50%. </span></div><div class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div><div class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>If it’s not a lopsided model, then why does it require lopsided funding and the participation of an entire population to keep it floating?</span></div><div class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family:
"sans-serif"; font-size: 11pt;'> </span></div><div class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Would you say that Social Security is working? It’s a program that has required participation by every tax payer, has guaranteed payouts when you need them. For all practical purposes… it’s a universal insurance policy. </span></div><div class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div><div class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>(The relative strength of Canada’s dollar to our own has less to do with the strength of their economy, and more to do with the weakness of ours).</span></div><div class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif";
font-size: 11pt;'> </span></div><div class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div><div class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div><div class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Jay</span></div><div class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div><div><div style="border-width: 1pt medium medium; border-style: solid none none; border-color: rgb(181, 196, 223) currentColor currentColor; padding: 3pt 0in 0in;"><div class="yiv803812266MsoNormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>From:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> Donovan Arnold
[mailto:donovanjarnold2005@yahoo.com] <br><b>Sent:</b> Thursday, January 19, 2012 9:30 PM<br><b>To:</b> Jay Borden; Moscow Cares; keely emerinemix<br><b>Cc:</b> vision2020@moscow.com<br><b>Subject:</b> Re: Borden and Universal Health Care Use the Same Business Model</span></div></div></div><div class="yiv803812266MsoNormal"> </div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">Jay,</span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">The problem is not that it is a lopsided model. The problem is that some people are unwilling to let go of incorrect thinking that Universal Health Care cannot work. </span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color:
black;"> </span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">You stated, "</span><span class="yiv803812266msid2386"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Sorry… I don’t see it… you go down this path and you have yet another program that gets upside down very quickly, and is subject to massive amounts of corruption and fraud, directly proportional to the volume of red-tape and bureaucracy."</span></span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span class="yiv803812266msid2386"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Well, if you want to see it, all you have to do is go to Canada, England, Japan,
Germany, France, Norway, Sweden, and many more. One place you will not see a working health care is the United States. If you don't want to do something because of fraud or red tape, you won't ever be doing anything. That exists everywhere man does. </span></span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span class="yiv803812266msid2386"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Your arguments and reasons why the Universal Health Care system won't work are invalid precisely because it is working, all over the world. You might as well be arguing that "Man cannot learn to fly". It has been done, and is being done many, many, times, every day with great success. </span></span><span
style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span class="yiv803812266msid2386"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Just keep this in mind too. Canada with a Universal Health Care system, now has a stronger dollar than the US. </span></span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span class="yiv803812266msid2386"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Donovan Arnold </span></span><span style="color: black;"></span></div></div><div style="background: white;"
class="yiv803812266MsoNormal"><span style="color: black;"> </span></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><b><span style='color: black; font-family: "sans-serif"; font-size: 10pt;'>From:</span></b><span style='color: black; font-family: "sans-serif"; font-size: 10pt;'> Jay Borden <jborden@datawedge.com><br><b>To:</b> Donovan Arnold <donovanjarnold2005@yahoo.com>; Moscow Cares <moscowcares@moscow.com>; keely emerinemix <kjajmix1@msn.com> <br><b>Cc:</b> vision2020@moscow.com <br><b>Sent:</b> Thursday, January 19, 2012 7:37 PM<br><b>Subject:</b> RE: Borden and Universal Health Care Use the Same Business Model</span><span style="color: black;"></span></div></div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div><div id="yiv803812266"><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span
style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>No, I get it. You want to essentially create a gigantic government-run HMO… you want to charge membership fees and spread them out in order to try to keep costs down.</span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>The problem is that this model is lopsided… it winds up attracting the people that gain the most financial benefit (folks that wind up getting $190 worth of medication for $80), while NOT attracting folks that don’t need this benefit (people that are paying a $55 membership fee to gain access to
medication they don’t need).</span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>So… the next [logical] answer is to simply FORCE everyone to become a member. (What doesn’t work on a smaller scale must work on a larger scale, right?). </span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span
style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Sorry… I don’t see it… you go down this path and you have yet another program that gets upside down very quickly, and is subject to massive amounts of corruption and fraud, directly proportional to the volume of red-tape and bureaucracy. (Yielding yet another government program crying for capital and resources, demanding that they can simply cut waste if they ONLY had yet another oversight committee and more consolidation of power).</span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span
style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Jay</span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color:
rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div><div><div style="border-width: 1pt medium medium; border-style: solid none none; border-color: currentColor; padding: 3pt 0in 0in;"><div><div style="background: white;" class="yiv803812266MsoNormal"><b><span style='color: black; font-family: "sans-serif"; font-size: 10pt;'>From:</span></b><span style='color: black; font-family: "sans-serif"; font-size: 10pt;'> Donovan Arnold [mailto:donovanjarnold2005@yahoo.com] <br><b>Sent:</b> Thursday, January 19, 2012 4:49 PM<br><b>To:</b> Jay Borden; Moscow Cares; keely emerinemix<br><b>Cc:</b> vision2020@moscow.com<br><b>Subject:</b> Re: Borden and Universal Health Care Use the Same Business Model</span><span style="color: black;"></span></div></div></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color:
black;"> </span></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">Jay,</span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">I am glad we can have a productive conversation despite our differences. </span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">You wrote,</span></div></div></div><div><div><div style="background: white;"
class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span class="yiv803812266msid27014"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>"The missing piece in your analogy (of my analogy) is that I didn’t turn around and offer free widgets to everyone, and then turn around and only bill the people that can afford it. On the contrary, when they want a new widget, they’ll have to pay for it. And because they suddenly had to pay for it, they were much more scrutinizing of how the widget was used."</span></span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span class="yiv803812266msid27014"><span
style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>I could not agree more that this is the crux of our inability to see our different perspectives. You are absolutely correct that if people were not charged for each item they selected and people were only charged by ability to pay the system would bankrupt everyone and collapse. </span></span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span class="yiv803812266msid27014"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>However, I think that is your misunderstanding of the Universal Health Care system. It is not communism. If countries with Universal Health Care operated in such a fashion as you
described, that is exactly what would happen. Thankfully, it doesn't. It operates in the way Costco does. Everyone pays a membership fee. The fee is dispersed amongst the providers in such way as to keep them financially afloat. In exchange for that cash up front, they agree to keep the fees for their services not free, as you think, but affordable for the members. </span></span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span class="yiv803812266msid27014"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>So, for a real life example. I pay $55 a year to Costco. Costco gives a portion of the fee to the Pharmacy. In turn, the pharmacy charges me $80 for a 90 day supply of medication vs. Walmart which would charge
me no fee, but $190. It would make no sense for me to do as you claim I would, order twice as many medications that I needed for two reasons. One, I am still poor, despite the lower costs, I am limited in resources to keep buying the same medications just because they are cheaper. And second, decreased utility. The extra meds, although still available for less cost, would not do me any good and make me more poor. Most people don't have that kind of money to waste. </span></span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span class="yiv803812266msid27014"><span style='color: black; font-family: "sans-serif"; font-size: 11pt;'>Hope you followed my points. If not, I suggest you take a look at Prof. Gier's articles, as he
offered, about Universal Health Care as he is an excellent source. </span></span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span class="yiv803812266msid27014"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Donovan Arnold</span></span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><b><span style='color: black; font-family: "sans-serif"; font-size:
10pt;'>From:</span></b><span style='color: black; font-family: "sans-serif"; font-size: 10pt;'> Jay Borden <jborden@datawedge.com><br><b>To:</b> Donovan Arnold <donovanjarnold2005@yahoo.com>; Moscow Cares <moscowcares@moscow.com>; keely emerinemix <kjajmix1@msn.com> <br><b>Cc:</b> vision2020@moscow.com <br><b>Sent:</b> Thursday, January 19, 2012 12:47 PM<br><b>Subject:</b> RE: Borden and Universal Health Care Use the Same Business Model</span><span style="color: black;"></span></div></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div><div id="yiv803812266"><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>I appreciate the kudos… but I’m not trying to pat myself on the back, only to demonstrate my view. </span><span
style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>(And you’ve been more than kind in your responses… thank you).</span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>The missing piece in your analogy (of my
analogy) is that I didn’t turn around and offer free widgets to everyone, and then turn around and only bill the people that can afford it. On the contrary, when they want a new widget, they’ll have to pay for it. And because they suddenly had to pay for it, they were much more scrutinizing of how the widget was used. </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'><br>You’re trying to connect the dots of my making customers responsible for their own widgets to Universal healthcare just “spreading the cost” around and tossing widgets into the street for anyone to consume.</span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family:
"sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>(Yes, this analogy is REALLY breaking down…)</span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Costco’s model works because they tend to both BUY and SELL their inventory in BULK. They are actually intended/marketed such that they sell to OTHER businesses (B2B), but if you’re an end-customer and want to purchase
pianos in a 3-pack, that’s fine too. (Yes, I know, you can get many merchandise items individually… but generally speaking most of their products are larger in both VOLUME and QUANTITY… I think I bought peanut butter from Costo 3 years ago and haven’t had to go back since…)</span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>If you link that to Universal Health Care and point to savings…. well I don’t know if I would purchase a dozen ER visits at a time, or choose the flu shot with “50% more!”</span><span style="color:
black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>If you want to make a link to another enterprise and point to savings, might I suggest Walmart.</span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Walmart (by several other
people’s description) is the “single choice” threat moving into any territory. Walmart succeeds because they undercut competition (private practices) by offering lower prices. They engage in supplier-specific contracts with individual suppliers to offer products that no one else can touch (semi-price-fixing)… and to sell their products ONLY in their store.</span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>On the flip side, because of Walmart, other retailers (doctors) can’t afford to stay in business. (How many articles have I read where
“someone used to own the local greenhouse/nursery, but now they just work at the Lawn & Garden at the local Walmart?”)</span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>The end result is a place that people hate to go, but have no other real alternative (since the other choices have been destroyed), purchasing inferior products/services that they can’t stand...</span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size:
11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Now… today, people are responsible for paying their own bills at Walmart. That keeps the purchasing in check (minus the Walmart shop-a-holics).</span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>To press the analogy further, imagine if Walmart suddenly said “all you can take buffet… pay one fee and take whatever you can carry off the
shelves”. </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>People would start to grab two or three or four of items, even though they wouldn’t need them, because the cost difference is zero. As a result, Walmart would have to RAISE prices to keep up with the “flat-fee” demand… (and at this point you head on down the slippery slope of starting to charge ONLY the more wealthy folks shopping at Walmart, yada yada yada…)</span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;"
class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>This is an obvious deadlock debate… I see widgets, you see universal health care, I see Walmart, you see Costco. I have ZERO argument with anyone who says that the current health care system needs alterations… but I can see ZERO benefit in having the same folks that run the DMV and the IRS suddenly managing my health insurance… I see only disaster.</span><span style="color:
black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Jay</span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;"
class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div><div><div style="border-width: 1pt medium medium; border-style: solid none none; border-color: currentColor; padding: 3pt 0in 0in;"><div><div><div style="background: white;" class="yiv803812266MsoNormal"><b><span style='color: black; font-family: "sans-serif"; font-size: 10pt;'>From:</span></b><span style='color: black; font-family:
"sans-serif"; font-size: 10pt;'> Donovan Arnold [mailto:donovanjarnold2005@yahoo.com] <br><b>Sent:</b> Thursday, January 19, 2012 7:30 AM<br><b>To:</b> Jay Borden; Moscow Cares; keely emerinemix<br><b>Cc:</b> vision2020@moscow.com<br><b>Subject:</b> Borden and Universal Health Care Use the Same Business Model</span><span style="color: black;"></span></div></div></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">Jay,</span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">I think it is great that you were able to turn a failing business. Not many people have that gift. I think your example does relate directly to health care, but in a way that gives credence to Universal
Health Care and highlights problems with our current system of care.</span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">What you did to the failing widgets company is exactly what Universal Health Care does all over the world. Our health care system is like a business that is going broke, with unsatisfied customers because the way it is doing business. What kind of business lasts with 13% increases in costs annually and just keeps passing the cost to the customers? That didn't work for your predecessor, and it isn't working for health care either. </span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">The steps you took, are the ones Universal Health Care makes. First, you lowered costs of the widget so everyone that needed one could afford it. Universal Health Care does it the same way. It
is the bulk of sales, not the high price per unit that makes it work financially, as you well know. The Costco model works better than the local jewelry model for high demand products and services. </span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">Second, you took steps to reduce costly replacements by prevention through education. Universal Health Care also works on this business model. By giving people the access to education on health and behavior and proper use of medications and treatments, the cost of repairs are greatly reduced because the damage never occurs in the first place. </span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">Finally, Universal Health Care works on the business principles you adopted of a fair contract that holds both parties accountable. Both you and
Universal Health Care pay for about 100% of damage that is not the fault of the client. However, if the person is neglectful or uses it not as intended they are not completely covered, but you don't make the costs of fixing the problem beyond their ability to pay. </span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">I really don't see the difference between what you did with a widgets company and what Universal Health Care does for health care. Jay, I don't see why the taxpayers should have to use the broken business model you had to fix than the proper working one you have now. Do you? </span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">Donovan Arnold</span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color:
black;"> </span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div></div><div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><b><span style='color: black; font-family: "sans-serif"; font-size: 10pt;'>From:</span></b><span style='color: black; font-family: "sans-serif"; font-size: 10pt;'> Jay Borden <jborden@datawedge.com><br><b>To:</b> Moscow Cares <moscowcares@moscow.com>; keely emerinemix <kjajmix1@msn.com> <br><b>Cc:</b> vision2020@moscow.com <br><b>Sent:</b> Wednesday, January 18, 2012 4:30 PM<br><b>Subject:</b> Re: [Vision2020] More Proof Preventative Health Care Saves</span><span style="color:
black;"></span></div></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div id="yiv803812266"><div><div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Yes, that’s the decision that the previous business owner made. (Whose name didn’t sound anything like “Bay Jorden”). </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif";
font-size: 11pt;'>While he thought he was doing good, he was ruining his company (and thus his ability to continue servicing his customers with the product).</span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>You can ridicule the specifics all you want, the only relevance that translates to my point is one of human nature. I believe (and I have experienced the trend) that people care less when they are not directly tied to finances.</span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;"
class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Is there anyone on this list that rents out residential property? Would you say that people take more care of the apartment/house when a security deposit is on the line? Or would you say that people generally take care of the facilities regardless?</span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;"
class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Jay</span><span style="color: black;"></span></div></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span
style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div style="border-width: 1pt medium medium; border-style: solid none none; border-color: currentColor; padding: 3pt 0in 0in;"><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><b><span style='color: black; font-family: "sans-serif"; font-size: 10pt;'>From:</span></b><span style='color: black; font-family: "sans-serif"; font-size: 10pt;'> Moscow Cares [mailto:moscowcares@moscow.com] <br><b>Sent:</b> Wednesday, January 18, 2012 1:26 PM<br><b>To:</b> keely emerinemix<br><b>Cc:</b> Jay Borden; vision2020@moscow.com<br><b>Subject:</b> Re: [Vision2020] More Proof Preventative Health Care Saves</span><span style="color: black;"></span></div></div></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color:
black;"> </span></div></div></div></div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">According to Jay Borden:</span></div></div></div></div></div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div></div></div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>"Turns out the problem had nothing to do with design… it was customers not bothering to read or learn anything about proper use of the widgets, or trying to use the widgets for a completely different purpose altogether. </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family:
"sans-serif"; font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Tack on a free replacement guarantee, and customers didn’t bother to self-educate… they just let the company “fix the problem” with the warranty."</span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: black; font-family: "sans-serif"; font-size: 11.5pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>So, what you are telling us, Mr. Borden, is . . .</span><span style="color:
black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: black; font-family: "sans-serif"; font-size: 11.5pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Although the customers clearly violated a product's warranty by " . . . </span><span class="yiv803812266apple-style-span"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11.5pt;'>trying to use the widgets for a completely different purpose altogether . . . ", the company honored the warranty and replaced the product.</span></span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: black; font-family:
"sans-serif"; font-size: 11.5pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span class="yiv803812266apple-style-span"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11.5pt;'>That's right up there with . . .</span></span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: black; font-family: "sans-serif"; font-size: 11.5pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span class="yiv803812266apple-style-span"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11.5pt;'>John Smith was going into the widget business. He would go to the widget manufacturer, load up his truck with widgets
(at $10 each), take them back to his store, and sell them at $9 each. This went on for a couple months. He was wondering why he was losing money on what he considered to be a sound business venture. He sought advice on what he should do from a business advisor; let's call him Bay Jorden. Bay Jorden, after weeks of meticulous research into John Smith's business practices, came up with what he considered a sure-win solution. He suggested to John Smith that what he needs is a . . . larger truck.</span></span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: black; font-family: "sans-serif"; font-size: 11.5pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span class="yiv803812266apple-style-span"><span style='color:
rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11.5pt;'>Sidebar to Mr. Borden: Do you know if this guy is selling cars? I have a friend that can certainly use a new car . . . every year.</span></span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div></div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">Seeya later, Moscow.</span></div></div></div></div></div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div></div></div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">Tom Hansen</span></div></div></div></div></div><div><div><div><div><div style="background: white;"
class="yiv803812266MsoNormal"><span style="color: black;">Post Falls, Idaho</span></div></div></div></div></div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div></div></div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">"If not us, who?</span></div></div></div></div></div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">If not now, when?"</span></div></div></div></div></div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div></div></div><div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">- Unknown</span></div></div></div></div></div></div><div><div style="margin-bottom: 12pt;"><div><div><div
style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"><br>On Jan 18, 2012, at 12:57 PM, keely emerinemix <<a href="mailto:kjajmix1@msn.com" rel="nofollow" target="_blank" ymailto="mailto:kjajmix1@msn.com">kjajmix1@msn.com</a>> wrote:</span></div></div></div></div></div><blockquote style="margin-top: 5pt; margin-bottom: 5pt;"><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Turns out the problem had nothing to do with design… it was customers not bothering to read or learn anything about proper use of the widgets, or trying to use the widgets for a completely different purpose altogether. </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif";
font-size: 11pt;'> </span><span style="color: black;"></span></div></div></div></div><div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style='color: black; font-family: "sans-serif"; font-size: 11pt;'>Tack on a free replacement guarantee, and customers didn’t bother to self-educate… they just let the company “fix the problem” with the warranty.</span><span style="color: black;"></span></div></div></div></div></blockquote></div></div></div><div style="margin-bottom: 12pt;"><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"><br>=======================================================<br>List services made available by First Step Internet,<br>serving the communities of the Palouse since 1994.<br> <a href="http://www.fsr.net" rel="nofollow" target="_blank">http://www.fsr.net</a><br>
mailto:<a href="mailto:Vision2020@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:Vision2020@moscow.com">Vision2020@moscow.com</a><br>=======================================================</span></div></div></div></div></div><div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div></div></div></div></div><div style="margin-bottom: 12pt;"><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div></div><div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div></div></div></div><div style="background: white; margin-bottom: 12pt;" class="yiv803812266MsoNormal"><span style="color: black;"> </span></div></div></div><div style="background: white;" class="yiv803812266MsoNormal"><span style="color: black;">
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