As a legislator with legal expertise, Senator McDowell is right to question the premise of the legislation. However, there is an underlying view among those with a legal background that this will collapse in the first month and that it will not get off the ground because it is unfair and no one will want it. At the end of the day, the consumer will decide whether it works. If it does not provide satisfaction for claimants, it will not be a success and will not last. It is as simple as that.