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I must be a boring guy. I have spent the last two months examining private insurance. I have studied the history, evaluated the rules and regs, and delved into more numbers than I care to mention. I have never spent as much time researching any topic for a column as I have with private insurance.

It has been a fascinating experience. The most intriguing aspect has been talking to credit union leaders who have strong views on both sides. Recently I spoke to two billion-dollar CEOs (two extremely sharp guys) within 10 minutes of each other, each making compelling arguments on opposite sides of the fence. I appreciated those calls and the many others during the past two months.

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