The healthcare question is a big one among presidential candidates. There's no one right answer to this question, but Clark knows that he doesn't like the idea of government-provided healthcare. If you ask the Europeans or Canadians who have government-sponsored health benefits they'll tell you they love it -- until they get sick and run into all the hassles associated with it. In our own way, we've moved closer to a parallel system. A recent report about the dermatology industry found that patients who want Botox -- which is not covered under insurance -- are seen much quicker than people who have a mole that may be cancerous. Why does this happen? Because the doctor's expenses to see the patient with the mole will barely be covered by an insurance company -- and the doctor's office will have to fight tooth and nail for whatever money the doc gets. But people coming in for Botox pay cash upfront. So the free market kicks in and the doctors treat those patients who will reward them the most financially. Now there's a trend among doctors who offer Botox, Lasik and other cash-only, uninsurable services to offer "no no no" plans: no payment, no interest and no down payment.