Find out what people want and help them get it.

Insurance is meant for extraordinary circumstances. You don't use car insurance to pay for oil changes or gasoline; you have it as protection in case you have a terrible accident or your car is stolen. You don't use homeowners' insurance to pay your electricity and water bills; you have it as protection in case a fire or other catastrophic event produces a large expense. Obviously, any insurance policy that promises to cover every small, ordinary expense is going to be much more expensive than one that covers only extraordinary expenses.

The communitarians may say you've been enjoying too much individual freedom, and that you must give up some of that for the benefit of the community. But they really mean that they want more power over your life - to force you to subsidize, obey and conform to their choices.

For those looking for security, be forewarned that there's nothing more insecure than a political promise.

Give politicians power and it certainly will be abused eventually - if not by today's politicians, then by their successors.

[Before the Civil Rights Act of 1964], many governments in southern states forced people to segregate by race. Civil rights advocates fought to repeal these state laws, but failed. So they appealed to the federal government, which responded with the Civil Rights Act of 1964. But this federal law didn't simply repeal state laws compelling segregation. It also prohibited voluntary segregation. What had been mandatory became forbidden. Neither before nor after the Civil Rights Act were people free to make their own decisions about who they associated with.

I say that the Second Amendment doesn't allow for exceptions - or else it would have read that the right "to keep and bear arms shall not be infringed, unless Congress chooses otherwise." And because there are no exceptions, I disagree with my fellow panelists who say the existing gun laws should be enforced. Those laws are unconstitutional [and] wrong - because they put you at a disadvantage to armed criminals, to whom the laws are no inconvenience.