This week has been a bit of a downer.

The exchanges have been criticized for website crashes and many other technical difficulties (though who didn't expect that?). And despite its "big opening," most consumers remain unaware that they actually opened — and most importantly (and sadly) — what the exchanges (and other main components of PPACA) are.

Oh, and then there's the whole thing about the government shutting down. (Some of my favorite effects? Some food-safety operations will cease, and the CDC is halting its flu program just as flu season gets underway — plus it has to stop providing "support to state and local partners for infectious disease surveillance." Government: Way. To. Go.)

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