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The reason the Constitution grants Congress the power to regulate interstate commerce is not to enable it to intrude into every nook and cranny of our national life, as modern jurisprudence holds, but rather to keep state governments from interfering with that commerce. States' regulation of the insurance industry has become a powerful hindrance to interstate commerce: Companies have to deal with a welter of state rules; lifeinsurance policies sometimes have to be changed if the policyholder moves. One solution to the problem is to allow companies that do business in multiple states to ...