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Anytime government is the answer to the question, it must be a dumb question! I agree cosmetologist as many industries should be regulated, they need to be imposed by the industry not the government. It is like helmet laws for motorcycle, the insurance industry can mandate helmets or insurance is not applicable. No insurance no license. Government can get out of the way an reduce waste fraud and incompetency. If a salon owner wants to take on the liability of an untrained technician and you want to go to an untrained technician then the 3 of you have contract. Here again the insurance company tells the salon owner, untrained technician, no insurance coverage. And I hate big insurance companies but not as much as big government.