Alan Charles Jardine is an American musician, singer and songwriter, who co-founded the Beach Boys. He is best known as the band's rhythm guitarist, and for occasionally singing lead vocals, on singles such as "Help Me, Rhonda", "Then I Kissed Her" and "Come Go with Me". source
Here's where the insurance companies really fail us. They over-pay hospitals, specialists and drug companies and then raise premiums to cover the costs. Further, when they pay hospitals 115% of what it should cost to care for a patient, they are paying for inefficiency that can be dangerous.