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D003132:Commerce / Q000191:economics* / Q000639:trends; D003363:Cost Control; D017049:Employer Health Costs / Q000639:trends; D006264:Health Benefit Plans, Employee / Q000191:economics*; D006801:Humans; D007221:Industry / Q000191:economics* / Q000639:trends; D038622:Internationality; D008824:Michigan; D009042:Motivation; D010819:Physician's Role