Leo finally decides to address healthcare reform head-on, as the government does the same thing.  Leo finds similarities in the failure of private banking intermediaries to do their jobs and the failure of private healthcare intermediaries to do their jobs.  If the intermediaries can't successfully intermediate at a national level and achieve their stated purpose, why are they entitled to support?  In the new economy, Leo notes a new report from McKinsey & Company that finds the largest gains to be made in energy efficiency are in...energy efficiency.