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This initiative strikes me as very important, for the very reasons you've outlined Bret. Question: are you aware of any developments or initiatives which have achieved some success in modulating the growth of health care costs? Or, containing the deteriorating trend in health (morbidity/ mortality) outcomes? This strikes me as an area ripe for experimentation - though I realize the regulatory and business environment tend to constrain such experiments. An example of what I'm thinking of would be the experiments with medical savings accounts that occurred a few years ago.

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