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It is not from the benevolence of the butcher, the brewer, or the baker, that we expect our dinner, but from regard to their own interest. We address ourselves, not to their humanity but to their self-love, and never talk to them of our own necessities but of their advantages. Nobody but a beggar chooses to depend chiefly upon the benevolence of his fellow citizens.

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James Surowiecki

Discussions of health care in the U. S. usually focus on insurance companies, but, whatever their problems, they're not the main driver of health-care inflation: providers are.