The Senate health care reform bill has been widdled down so much in terms of making the insurance companies accountable and inserting competition into the marketplace that former governor of Vermont Howard Dean says that the bill is useless in terms of making insurance affordable for all Americans if it does not contain a public option.  According to Dean, and we agree, the Senate bill contains no reasonable cost containment mechanism for the insurance companies therefore permiting them to charge one customer 300 percent more than that same customer’s neighbor.  Without a robust public option the insurance industry can continue doing what it is doing but worse .  Need we forget about the credit card industry and how it responded to even th eslightest bit of regulation by engaging in unscrupulous and deceptive practices even more.