I appreciate the point that is being made. But the subcommittee has to report to the main committee. So for questions of logistics—like this one today—having one representative per party allows us to do the groundwork without long discussions.
Personally, I would be tempted to keep the subcommittee for insurance. We would not need it often, I feel, but it might be useful for solving logistics problems and avoiding the kind of discussion we are having now. I think that we all agree on the basics.
Let us keep it. Let us just not use it too much, just when it could shorten the discussion and prevent us from spending too much time reinventing the wheel.