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...skaters to use protective equipment, learn proper use of the skates and obey road rules. Manhattan has set speed limits for bladers in Central Park, and Huntington Beach, Calif., has banned them from business districts. A smart move by retailers might be to tack a few dollars onto the tab for the pricey wheels (up to $350) and include an hour or two of well-padded lessons...
...example of a best-of-both-worlds technique is the Health Maintenance Organization. At an HMO, you pay one annual fee, and the group supplies all your health-care needs. Because the provider is also the insurer, there is no incentive to run up the tab with unnecessary services. Yet the HMO must compete for customers by offering high-quality care. And customers can comparison shop for price and quality at leisure when they're healthy, not in haste when they're sick...
...that is only the beginning, since many of the crack kids are placed in foster care. In New York City annual placements of drug-affected babies run to 3,500, compared with 750 before the spread of crack. That brings the city's foster-care tab to about $795 million (up from $320 million in 1985). The New York State comptroller's office expects that New York City will spend $765 million over the next 10 years on special education for crack kids...
...rotary phone. A working number can fetch $50 to $100 from a middleman, who then retails it to long lines of customers eager to pay $5 to $15 to call friends and relatives in, say, Colombia, Poland or the Philippines. A single number can quickly run up a tab in the tens of thousands of dollars, which is charged to the card's owner but is usually absorbed by the phone company. Total losses last year from these and other phone frauds, according to the Secret Service: $1.2 billion...
...expenses and a $1,000 maximum on lawyer's fees. California, by contrast, routinely approves two lawyers for capital cases, pays them each an average of $75 an hour, and covers expert services, such as private investigators, which typically add $5,000 a month more to the defense tab. The state bill in an uncomplicated case comes to about $25,000, whereas in Arkansas, says Stevenson of the Resource Center, "we're asking lawyers to work for $1 an hour." Next month two Arkansas attorneys will challenge the cap before the state supreme court...