Word: layers
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...doubts that managed competition will cure what ails the insurers. The idea, insofar as anyone can comprehend it, is to create a new layer of bureaucracy -- health-insurance-purchasing cooperatives, or HIPCs -- which will contract with insurance companies to provide health-care plans for consumers, including the poor and unemployed. In theory, the HIPCs will force the insurance companies to compete to come up with the lowest-cost plan, which will in turn cause the insurance companies to lean on doctors and hospitals to hold down their costs. Thus, whatever else happens under managed competition, the insurance companies will cease...
There is a solution -- at least for our first two patients. Instead of adding a new layer, like a Band-Aid on a gangrenous wound, the aim should be to simplify: eliminate the 1,500 private insurers (they can always go back to auto and life) and replace them with a Canadian-style "single payer," which could be the Federal Government, a quasi-public agency or each of the 50 states. In one fell swoop, health-care costs would be reduced by much of the $80 billion that now goes for "administrative overhead," producing savings that, according to the General...
...time. Under certain conditions, however, the crystals never bond, but remain loose like a pile of poker chips. This dangerous situation commonly occurs in Colorado, where temperatures are very cold (snow crystals bond most readily close to their melting point). The shape of the crystals is important too. A layer of graupel -- soft hailstones that behave like miniature ball bearings -- substantially increases the avalanche hazard. In essence, graupel provides a high-speed conveyor belt for the layers of snow deposited on top. Another kind of trouble comes in the guise of sugar snow -- coarse grains created when water vapor freezes...
...critics say the bill just adds a layer of bureaucracy and hinders the fight against AIDS...
...seen in contemporaneous Chinese porcelains, the shapes of Korean porcelains are more inventive. The porcelain wares of the Henderson are excellent representatives of the tradition. Finally, another ceramic tradition of the Choson Period is that of punch'ong stoneware. These wares are made from stoneware covered in a layer of white slip and then applied with various means of decoration, from stamped to painted designs...