A mixed health insurance market under a high-cost protection scheme*

G52G48 NFT 1/1998 I. Introduction G84G104G101G32 G99G111G110G115G117G109G112G116G105G111G110G32 G111G102G32 G109G101G100G105G99G97G108G32 G99G97G114G101G32 G100G105G102G102G101G114G115 G97G109G111G110G103G32G112G101G111G112G108G101G46G32G87G104G105G108G101G32G115G111G109G101G32G112G101G111G112G108G101G32G97G114G101G32G105G110G32G103G114G101G97G116 G110G101G101G100G32 G111G102G32 G97G100G118G97G110G99G101G100G32 G97G110G100G32 G99G111G115G116G108G121G32 G109G101G100G105G99G97G108G32 G99G97G114G101 G115G101G114G118G105G99G101G115G44G32 G111G116G104G101G114G115G32 G101G110G106G111G121G32 G116G104G101G32 G102G114G117G105G116G115G32 G111G102G32 G97G32 G104G101G97G108G116G104G121 G108G105G102G101G32 G119G105G116G104G32 G118G101G114G121G32 G108G105G109G105G116G101G100G32 G104G101G97G108G116G104G32 G99G97G114G101G32 G110G101G101G100G46G32 G84G104G105G115 G112G97G116G116G101G114G110G32G105G115G32G118G105G115G105G98G108G101G32G105G110G32G116G104G101G32G100G105G115G116G114G105G98G117G116G105G111G110G32G111G102G32G109G101G100G105G99G97G108 G99G97G114G101G32G99G111G115G116G115G32G97G115G32G119G101G108G108G46G32G68G97G116G97G32G111G110G32G115G116G97G116G105G111G110G97G114G121G32G109G101G100G105G99G97G108 G99G97G114G101G32G115G112G101G110G100G105G110G103G32G102G114G111G109G32G83G97G104G108G103G114G101G110G115G107G97G32G115G106G117G107G104G117G115G101G116G32G105G110 G71G246G116G101G98G111G114G103G32G100G105G115G99G108G111G115G101G115G32G116G104G97G116G32G97G98G111G117G116G32G51G48G32G112G101G114G32G99G101G110G116G32G111G102 G112G97G116G105G101G110G116G115G32G97G99G99G111G117G110G116G32G102G111G114G32G111G118G101G114G32G55G53G32G112G101G114G32G99G101G110G116G32G111G102G32G116G111G116G97G108 G115G112G101G110G100G105G110G103G46 G49 G32 G72G101G110G99G101G44G32 G109G111G115G116G32 G111G102G32 G116G104G101G32 G115G116G97G116G105G111G110G97G114G121 G112G97G116G105G101G110G116G115G32G97G114G101G32G116G114G101G97G116G101G100G32G119G105G116G104G32G99G104G101G97G112G32G109G101G100G105G99G97G108G32G116G101G99G104G45 G110G111G108G111G103G105G101G115G32 G97G110G100G32 G97G32 G109G105G110G111G114G105G116G121G32 G99G97G117G115G101G115G32 G116G104G101G32 G98G117G108G107G32 G111G102 G109G101G100G105G99G97G108G32 G99G97G114G101G32 G99G111G115G116G115G32 G97G116G32 G83G97G104G108G103G114G101G110G115G107G97G46G32 G83G101G101G32 G116G104G101 G100G105G115G116G114G105G98G117G116G105G111G110G32 G111G102G32 G115G116G97G116G105G111G110G97G114G121G32 G109G101G100G105G99G97G108G32 G99G111G115G116G115G32 G105G110 G70G105G103G117G114G101G32G49G46G32G65G108G111G110G103G32G116G104G101G32G104G111G114G105G122G111G110G116G97G108G32G97G120G105G115G32G105G110G32G70G105G103G117G114G101 G49G32G116G104G101G32G109G101G100G105G99G97G108G32G99G111G115G116G115G32G97G114G101G32G112G114G101G115G101G110G116G101G100G32G105G110G32G105G110G116G101G114G118G97G108G115 G40G114G101G99G111G103G110G105G122G101G32 G116G104G97G116G32 G116G104G101G32 G105G110G116G101G114G118G97G108G115G32 G97G114G101G32 G111G102G32 G100G105G102G102G101G114G101G110G116 G108G101G110G103G116G104G41G46G32 G65G110G100G32 G116G104G101G32 G118G101G114G116G105G99G97G108G32 G97G120G105G115G32 G115G104G111G119G115G32 G98G111G116G104 G109G101G100G105G99G97G108G32G99G97G114G101G32G99G111G115G116G115G32G40G108G101G102G116G32G115G105G100G101G32G105G110G32G70G105G103G117G114G101G32G49G41G32G97G110G100 G116G104G101G32G110G117G109G98G101G114G32G111G102G32G101G112G105G115G111G100G101G115G32G97G116G32G83G97G104G108G103G114G101G110G115G107G97G32G40G114G105G103G104G116 G115G105G100G101G41G46G32 G70G117G114G116G104G101G114G44G32 G116G104G101G32 G115G116G114G97G105G103G104G116G32 G108G105G110G101G32 G105G110G32 G70G105G103G117G114G101G32 G49 G115G104G111G119G115G32G116G104G101G32G100G105G115G116G114G105G98G117G116G105G111G110G32 G111G102G32G109G101G100G105G99G97G108G32G99G97G114G101G32G99G111G115G116G115 G105G110G32G101G97G99G104G32G105G110G116G101G114G118G97G108G44G32G97G110G100G32G116G104G101G32G98G97G114G115G32G116G104G101G32G99G117G109G117G108G97G116G105G118G101 G100G105G115G116G114G105G98G117G116G105G111G110G46 G84G104G101G32 G115G107G101G119G101G100G32 G109G101G100G105G99G97G108G32 G99G111G115G116G32 G100G105G115G116G114G105G98G117G116G105G111G110G32 G105G110 A mixed health insurance market under a high-cost protection scheme* In this paper, we argue for a mixed health insurance sys- tem where the state insures high medical costs, leaving low medical costs to the pri- vate health insurance market. An important finding indicates that a public coverage for high medical costs interacts with private coverage for low costs as the high-cost protection re- duces the variance of an aver- age health risk in the private market. by Professor Franz Haslinger, Department of Economics, University of Hannover and Dr. Per-Johan Horgby, Department of Economics, Göteborg University Franz Haslinger Per-Johan Horgby G42G32G84G104G105G115G32G112G97G112G101G114G32G105G115G32G97G32G110G111G110G45G116G101G99G104G110G105G99G97G108G32G115G117G109G109G97G114G121G32G111G102G32G116G104G101G32G97G117G116G104G111G114G115G146 G97G114G116G105G99G108G101G32 G72G105G103G104G45G67G111G115G116G32 G80G114G111G116G101G99G116G105G111G110G32 G105G110G32 G72G101G97G108G116G104G32 G73G110G115G117G114G97G110G99G101G58G32 G65 G80G114G111G112G111G115G97G108G32G102G111G114G32G116G104G101G32G82G101G111G114G103G97G110G105G122G97G116G105G111G110G32G111G102G32G72G101G97G108G116G104G32G73G110G115G117G114G97G110G99G101G32G105G110 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Stationary medical cost distribution at Sahlgrenska sjukhuset, Göteborg, Sweden, January - November 1995.2 G83G111G117G114G99G101G58G32 G83G97G104G108G103G114G101G110G115G107G97G32 G115G106G117G107G104G117G115G101G116G46 0 200000 400000 600000 800000 1000000 1200000 1400000 0-5 10-15 20-25 30-35 40-45 50-60 70-80 90- 100 200- 300 400- 500 600- 700 800- 900 1000- 2000 0 1000 2000 3000 4000 5000 6000 7000 8000 9000 10000 SEK in 1000 # of episodes cost interval in 1000 SEK G52G50 G103G111G114G121G32G111G102G32G98G97G115G105G99G32G104G117G109G97G110G32G110G101G101G100G115G32G115G104G97G108G108G32G98G101G32G109G97G110G100G97G116G111G45 G114G121G46 G53 G32G147G76G117G120G117G114G121G148G32G109G101G100G105G99G97G108G32G115G101G114G118G105G99G101G115G32G99G97G110G32G98G101G32G112G114G105G118G97G116G45 G101G108G121G32 G105G110G115G117G114G101G100G46G32 G66G117G116G32 G119G104G97G116G32 G105G115G32 G108G117G120G117G114G121G32 G97G110G100G32 G119G104G97G116G32 G105G115 G98G97G115G105G99G32 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G110G111G119G32G110G101G101G100G32G111G110G108G121G32G115G109G97G108G108G32G115G97G102G101G116G121G32G108G111G97G100G105G110G103G32G97G110G100G44G32G104G101G110G99G101G44 G116G104G101G32G105G110G115G117G114G97G110G99G101G32G112G114G101G109G105G117G109G115G32G119G111G117G108G100G32G98G101G99G111G109G101G32G112G114G97G99G45 G116G105G99G97G108G108G121G32G97G99G116G117G97G114G105G97G108G108G121G32G102G97G105G114G46 G83G101G99G111G110G100G44G32 G115G105G110G99G101G32 G115G101G118G101G114G101G32 G114G105G115G107G115G32 G97G114G101G32 G114G101G109G111G118G101G100 G102G114G111G109G32 G116G104G101G32 G109G97G114G107G101G116G44G32 G116G104G101G32 G104G105G103G104G45G99G111G115G116G32 G112G114G111G116G101G99G116G105G111G110 G147G116G114G97G110G115G102G111G114G109G115G148G32G116G104G101G32G111G114G105G103G105G110G97G108G32G104G101G116G101G114G111G103G101G110G101G111G117G115G32G114G105G115G107 G100G105G115G116G114G105G98G117G116G105G111G110G32 G105G110G116G111G32 G97G32 G109G111G114G101G32 G104G111G109G111G103G101G110G101G111G117G115G32 G114G105G115G107 G100G105G115G116G114G105G98G117G116G105G111G110G46G32 G84G104G105G115G32 G114G101G100G117G99G101G115G32 G97G100G118G101G114G115G101G32 G115G101G108G101G99G116G105G111G110 G101G102G102G101G99G116G115G32G119G104G101G114G101G32G105G110G100G105G118G105G100G117G97G108G115G32G119G105G116G104G32G108G111G119G32G114G105G115G107G32G101G120G112G111G45 G52G51 G115G117G114G101G32G104G97G118G101G32G116G111G32G112G97G121G32G102G111G114G32G105G110G100G105G118G105G100G117G97G108G115G32G119G105G116G104G32G97G32G104G105G103G104G101G114 G114G105G115G107G32G112G114G111G102G105G108G101G46 G84G111G32 G105G108G108G117G115G116G114G97G116G101G32 G116G104G101G32 G102G117G110G99G116G105G111G110G105G110G103G32 G111G102G32 G97G32 G109G105G120G101G100 G109G97G114G107G101G116G32G117G110G100G101G114G32G97G32G104G105G103G104G45G99G111G115G116G32G112G114G111G116G101G99G116G105G111G110G44G32G97G115G115G117G109G101 G116G104G97G116G32 G116G104G101G32 G109G101G100G105G99G97G108G32 G99G111G115G116G32 G100G105G115G116G114G105G98G117G116G105G111G110G32 G103G111G101G115G32 G102G114G111G109 G104G101G97G108G116G104G32 G115G116G97G116G101G32 G77 = 0 G44G32 G119G104G105G99G104G32 G105G110G100G105G99G97G116G101G115G32 G104G101G97G108G116G104G105G45 G110G101G115G115G32 G97G110G100G32 G114G101G113G117G105G114G101G115G32 G122G101G114G111G32 G109G101G100G105G99G97G108G32 G99G111G115G116G115G44G32 G116G111 G77 G80= G44G32G119G104G105G99G104G32G105G115G32G116G104G101G32G109G97G120G105G109G117G109G32G109G101G100G105G99G97G108G32G99G97G114G101 G101G120G112G101G110G100G105G116G117G114G101G32G116G104G97G116G32G99G97G110G32G98G101G32G105G110G115G117G114G101G100G46G32G87G105G116G104G32G97G32G103G111G118G101G114G110G45 G109G101G110G116G97G108G32G104G105G103G104G45G99G111G115G116G32G112G114G111G116G101G99G116G105G111G110G32G115G99G104G101G109G101G32G116G104G101G32G115G116G97G116G101 G116G97G107G101G115G32G111G118G101G114G32G102G105G110G97G110G99G105G97G108G32G114G101G115G112G111G110G115G105G98G105G108G105G116G121G32G97G98G111G118G101G32G116G104G101 G99G101G105G108G105G110G103G32 G4 G80 G46G32 G84G104G101G32 G108G105G109G105G116G32 G102G111G114G32 G4 G80 G32 G105G115G32 G115G101G116G32 G111G110G32 G116G104G101 G105G110G102G108G101G120G105G111G110G32G112G111G105G110G116G32G119G104G101G114G101G32G116G104G101G32G100G105G115G116G114G105G98G117G116G105G111G110G32G115G116G97G114G116G115G32G116G111 G102G108G97G116G116G101G110G32 G111G117G116G46G32 G73G110G32 G70G105G103G117G114G101G32 G49G44G32 G105G116G32 G105G115G32 G115G104G111G119G110G32 G104G111G119 G105G110G100G105G118G105G100G117G97G108G115G32G98G101G97G114G32G116G104G101G32G101G110G116G105G114G101G32G114G101G115G112G111G110G115G105G98G105G108G105G116G121G32G102G111G114 G116G104G101G105G114G32G104G101G97G108G116G104G32G99G97G114G101G32G102G105G110G97G110G99G105G110G103G32G117G112G32G116G111G32 G4 G80 G46G32G66G101G121G111G110G100 G4 G80 G44G32G116G104G101G32G103G111G118G101G114G110G109G101G110G116G32G105G110G115G117G114G101G115G32G115G101G118G101G114G101G32G97G110G100G32G99G111G115G116G108G121 G116G114G101G97G116G109G101G110G116G115G46G32G83G101G101G32G70G105G103G117G114G101G32G50G46 G84G104G101G32 G109G101G100G105G99G97G108G32 G99G111G115G116G32 G100G105G115G116G114G105G98G117G116G105G111G110G32 G59 c76 c77 G32 G105G115G32 G116G104G117G115 G100G105G118G105G100G101G100G32 G105G110G32 G116G119G111G32 G112G97G114G116G115G58G32 G111G110G101G32 G112G114G105G118G97G116G101G32 G112G97G114G116 G40 G77G80= 01,,..., G4 G41G32G97G110G100G32G111G110G101G32G104G105G103G104G45G99G111G115G116G32G112G97G114G116G32G99G111G118G101G45 G114G101G100G32G98G121G32G112G117G98G108G105G99G32G105G110G115G117G114G97G110G99G101G32G40 G77G80 G80=+ G4 ,...,1 G41G46 G78G111G119G32G119G101G32G99G97G110G32G100G101G102G105G110G101G32G116G104G101G32G102G111G108G108G111G119G105G110G103G32G105G100G101G110G116G105G116G121G58 G40G59 G40G59 G40G59 c76 c77 c76 c83c85 c76 c83c88c69() ( ) ( )?+ G44 G40G49G41 G119G104G101G114G101G32G105G32G115G105G103G110G105G102G105G101G115G32G97G110G32G105G110G100G105G118G105G100G117G97G108G32G105G110G32G116G104G101G32G115G111G99G105G101G116G121G44 G40 G76G49= 1,..., G41G44G32G97G110G100 G40G59 G91 c76 c83c85 c76 c77c77 c77 c80 () c4 = = ? ? 0 G40G50G41 G32G100G101G110G111G116G101G115G32G116G104G101G32G101G120G112G101G99G116G101G100G32G112G114G105G118G97G116G101G32G104G101G97G108G116G104G32G99G97G114G101G32G99G111G115G116G115 G40G116G104G101G32G112G114G105G118G97G116G101G32G112G97G114G116G41G32G97G110G100 G32 G40G59 G91 c76 c83c88c69 c76 c77c77 c77c80 c80 () c4 = =+ ? ? 1 G40G51G41 G100G101G110G111G116G101G115G32G116G104G101G32G101G120G112G101G99G116G101G100G32G112G117G98G108G105G99G32G104G101G97G108G116G104G32G99G97G114G101G32G99G111G115G116G115 G40G116G104G101G32G112G117G98G108G105G99G32G112G97G114G116G41G46 G49G48 G32G84G104G101G32G112G117G98G108G105G99G32G112G97G114G116G32G40G116G104G101G32G104G105G103G104G45 G99G111G115G116G32G112G114G111G116G101G99G116G105G111G110G41G32G105G115G32G102G105G110G97G110G99G101G100G32G98G121G32G97G32G112G114G111G112G111G114G116G105G111G110G97G108 G105G110G99G111G109G101G32G116G97G120G32G40 G93 G41G32G117G110G100G101G114G32G116G104G101G32G114G101G115G116G114G105G99G116G105G111G110G32G116G104G97G116G32G116G104G101 G98G117G100G103G101G116G32G98G101G32G98G97G108G97G110G99G101G100G46G32G87G101G32G99G97G110G32G100G101G102G105G110G101G32G116G104G101G32G102G111G108G108G111G45 G119G105G110G103G32G114G101G108G97G116G105G111G110G115G104G105G112G32G98G101G116G119G101G101G110G32G99G111G109G112G117G108G115G111G114G121G32G105G110G115G117G45 G114G97G110G99G101G32G99G111G115G116G115G32G97G110G100G32G116G97G120G97G116G105G111G110G32G105G110G99G111G109G101G58 G91G92G93G49 c76 c77 c76 c77c80 c80 ? =+ ? c4 1 G44 G40G52G41 G119G104G101G114G101G32 G92 c76 G32 G105G115G32 G116G104G101G32 G105G110G100G105G118G105G100G117G97G108G32 G105G110G99G111G109G101G32 G119G105G116G104G111G117G116 G105G110G115G117G114G97G110G99G101G44G32 G93 G32G100G101G110G111G116G101G115G32G116G104G101G32G112G114G111G112G111G114G116G105G111G110G97G108G32G105G110G99G111G109G101 medical cost frequency medical cost per capita G4 G80 privately insured medical costs Figure 2. Split medical cost distribution G52G52 G116G97G120G32G97G110G100G32 G49 G32G105G115G32G116G104G101G32G116G111G116G97G108G32G110G117G109G98G101G114G32G111G102G32G105G110G100G105G118G105G100G117G97G108G115G46 G84G104G101G32 G105G100G101G110G116G105G116G121G32 G105G110G32 G40G52G41G32 G115G97G121G115G32 G116G104G97G116G32 G116G104G101G32 G115G117G109G32 G111G102G32 G116G104G101 G109G101G100G105G99G97G108G32 G99G111G115G116G115G32 G97G98G111G118G101G32 G116G104G101G32 G99G101G105G108G105G110G103G32 G109G117G115G116G32 G101G113G117G97G108 G116G104G101G32 G116G111G116G97G108G32 G114G101G118G101G110G117G101G32 G102G114G111G109G32 G116G104G101G32 G105G110G99G111G109G101G32 G116G97G120G46G32 G84G104G101 G99G111G109G112G117G108G115G111G114G121G32 G112G114G101G109G105G117G109G32 G119G105G108G108G32 G116G104G101G110G32 G98G101G32 G92G93 c76 G32 G97G110G100 G116G104G101G32G110G101G116G32G105G110G99G111G109G101G32 G92G93 c76 ()1? G32G102G111G114G32G101G97G99G104G32G105G110G100G105G118G105G100G117G97G108G46 G65G115G32G116G104G101G32G101G120G112G101G99G116G101G100G32G104G101G97G108G116G104G32G99G97G114G101G32G99G111G115G116G115G32G100G105G102G102G101G114G32G97G109G111G110G103 G105G110G100G105G118G105G100G117G97G108G115G44G32 G116G104G101G32 G116G97G120G97G116G105G111G110G32 G115G109G111G111G116G104G101G115G32 G111G117G116G32 G116G104G101 G100G105G102G102G101G114G101G110G99G101G115G32G105G110G32G101G120G112G101G99G116G101G100G32G105G110G99G111G109G101G32G98G101G116G119G101G101G110G32G114G105G115G107 G103G114G111G117G112G115G46 G69G97G99G104G32 G105G110G100G105G118G105G100G117G97G108G32 G105G115G32 G114G101G115G112G111G110G115G105G98G108G101G32 G102G111G114G32 G102G105G110G97G110G45 G99G105G110G103G32G116G104G101G32G112G97G114G116G32G117G112G32G116G111G32 G4 G80 G46G32G69G105G116G104G101G114G32G104G101G32G98G117G121G115G32G104G101G97G108G116G104 G105G110G115G117G114G97G110G99G101G32 G111G110G32 G116G104G101G32 G112G114G105G118G97G116G101G32 G109G97G114G107G101G116G32 G111G114G32 G112G97G121G115G32 G116G104G101 G109G101G100G105G99G97G108G32 G98G105G108G108G115G32 G111G110G32 G97G110G32 G111G117G116G45G111G102G45G112G111G99G107G101G116G32 G98G97G115G105G115G32 G97G115 G116G104G101G121G32G99G111G109G101G46G32G84G104G105G115G32G105G115G32G97G32G110G111G114G109G97G108G32G105G110G115G117G114G97G110G99G101G32G100G101G99G105G115G105G111G110 G97G110G100G32 G100G101G112G101G110G100G115G32 G111G110G32 G116G104G101G32 G105G110G100G105G118G105G100G117G97G108G146G115G32 G97G116G116G105G116G117G100G101 G116G111G119G97G114G100G115G32G114G105G115G107G46G32G87G105G116G104G32G116G104G101G32G108G97G114G103G101G115G116G32G108G111G115G115G101G115G32G99G111G118G101G114G101G100 G98G121G32G116G104G101G32G115G116G97G116G101G44G32G116G104G101G32G115G116G97G110G100G97G114G100G32G100G101G118G105G97G116G105G111G110G32G97G115G32G119G101G108G108G32G97G115 G116G104G101G32G105G110G115G117G114G97G98G108G101G32G97G109G111G117G110G116G32G102G111G114G32G97G110G32G97G118G101G114G97G103G101G32G109G101G100G105G99G97G108 G99G111G115G116G32 G116G104G97G116G32 G116G104G101G32 G109G97G114G107G101G116G32 G102G97G99G101G115G32 G119G105G108G108G32 G100G101G99G114G101G97G115G101G46G32 G65G115 G116G104G101G32 G118G97G114G105G97G98G105G108G105G116G121G32 G105G115G32 G100G105G109G105G110G105G115G104G101G100G32 G45G32 G98G117G116G32 G110G111G116G32 G116G104G101 G110G117G109G98G101G114G115G32G111G102G32G112G111G108G105G99G121G32G104G111G108G100G101G114G115G32G45G32G116G104G101G32G114G101G113G117G105G114G101G100G32G115G97G102G101G45 G116G121G32G108G111G97G100G105G110G103G32G102G111G114G32G112G114G105G118G97G116G101G32G99G111G110G116G114G97G99G116G115G32 G105G115G32G97G108G115G111G32G114G101G100G117G45 G99G101G100G46 G49G49 G32 G65G110G32 G105G109G112G111G114G116G97G110G116G32 G102G101G97G116G117G114G101G32 G111G102G32 G97G32 G104G105G103G104G45G99G111G115G116 G112G114G111G116G101G99G116G105G111G110G32 G99G111G118G101G114G101G100G32 G98G121G32 G116G104G101G32 G115G116G97G116G101G32 G105G115G32 G116G104G97G116G32 G116G104G101 G112G111G108G105G99G105G101G115G32 G105G115G115G117G101G100G32 G111G110G32 G116G104G101G32 G112G114G105G118G97G116G101G32 G109G97G114G107G101G116G32 G100G111G32 G110G111G116 G114G101G113G117G105G114G101G32G97G115G32G109G117G99G104G32G115G97G102G101G116G121G32G108G111G97G100G105G110G103G32G112G101G114G32G112G111G108G105G99G121G32G116G111 G98G101G32 G97G115G32 G115G97G102G101G32 G97G115G32 G98G101G102G111G114G101G32 G116G104G101G32 G116G114G97G110G115G105G116G105G111G110G46G32 G84G111G32 G98G101 G100G105G115G116G105G110G99G116G44G32G119G101G32G98G101G108G105G101G118G101G32G116G104G97G116G32G115G97G102G101G116G121G32G108G111G97G100G105G110G103G32G105G110G32G116G104G101 G109G105G120G101G100G32 G115G121G115G116G101G109G32 G119G105G116G104G32 G109G97G110G121G32 G99G111G109G112G101G116G105G116G105G118G101G32 G108G111G119G45 G99G111G115G116G32 G105G110G115G117G114G101G114G115G32 G97G112G112G114G111G97G99G104G101G115G32 G122G101G114G111G44G32 G105G46G101G46 ??>> hcp 0 G44G32G119G104G101G114G101G32? G32G100G101G110G111G116G101G115G32G116G104G101G32G115G97G102G101G116G121 G108G111G97G100G105G110G103G32G105G110G32G97G32G99G111G109G112G108G101G116G101G108G121G32G102G114G101G101G32G109G97G114G107G101G116G32G97G110G100G32 ? hcp G105G115G32G116G104G101G32G115G97G102G101G116G121G32G108G111G97G100G105G110G103G32G102G111G114G32G97G32G108G111G119G45G99G111G115G116G32G112G111G108G105G99G121G32G105G110 G116G104G101G32G109G105G120G101G100G32G115G121G115G116G101G109G46 G49G50 IV. Summary G73G110G32 G97G32 G114G101G99G101G110G116G32 G97G114G116G105G99G108G101G44G32 G116G104G101G32 G83G101G99G114G101G116G97G114G121G32 G71G101G110G101G114G97G108G32 G111G102 G116G104G101G32G71G101G110G101G118G97G32G65G115G115G111G99G105G97G116G105G111G110G44G32G80G114G111G102G101G115G115G111G114G32G79G114G105G111G32G71G105G97G45 G114G105G110G105G44G32G99G108G97G105G109G115G32G116G104G97G116G32G116G104G101G32G110G111G116G105G111G110G32G111G102G32G105G110G115G117G114G97G98G105G108G105G116G121G32G119G105G108G108 G98G101G32 G105G110G99G114G101G97G115G105G110G103G108G121G32 G97G100G111G112G116G101G100G32 G97G115G32 G97G32 G100G105G118G105G100G105G110G103G32 G108G105G110G101 G98G101G116G119G101G101G110G32G116G104G101G32G112G114G105G118G97G116G101G32G97G110G100G32G116G104G101G32G112G117G98G108G105G99G32G97G99G116G105G118G105G116G105G101G115G59 G101G118G101G114G121G116G104G105G110G103G32G112G114G105G118G97G116G101G32G115G104G111G117G108G100G32G102G105G110G100G32G97G32G112G114G105G118G97G116G101G32G115G111G108G117G45 G116G105G111G110G44G32 G97G110G100G32 G101G118G101G114G121G116G104G105G110G103G32 G117G110G105G110G115G117G114G97G98G108G101G32 G115G104G111G117G108G100G32 G98G101 G116G97G107G101G110G32G105G110G116G111G32G99G111G110G115G105G100G101G114G97G116G105G111G110G32G97G115G32G97G32G112G117G98G108G105G99G32G101G110G116G105G116G121G46 G49G51 G65G108G111G110G103G32G116G104G101G115G101G32G108G105G110G101G115G32G116G104G105G115G32G112G97G112G101G114G32G103G105G118G101G115G32G97G32G106G117G115G116G105G102G105G99G97G45 G116G105G111G110G32G102G111G114G32G97G32G114G101G111G114G103G97G110G105G122G97G116G105G111G110G32G111G102G32G104G101G97G108G116G104G32G105G110G115G117G114G97G110G99G101G46 G73G110G32 G116G104G101G32 G108G105G103G104G116G32 G111G102G32 G97G32 G118G101G114G121G32 G115G107G101G119G32 G109G101G100G105G99G97G108G32 G99G111G115G116 G100G105G115G116G114G105G98G117G116G105G111G110G44G32G119G101G32G97G114G103G117G101G100G32G116G104G97G116G32G116G104G101G32G112G117G98G108G105G99G32G104G101G97G108G116G104 G105G110G115G117G114G97G110G99G101G32G115G99G104G101G109G101G32G115G104G111G117G108G100G32G98G101G32G108G105G109G105G116G101G100G32G116G111G32G101G120G112G101G110G45 G115G105G118G101G32 G97G110G100G32 G117G110G105G110G115G117G114G97G98G108G101G32 G114G105G115G107G115G46G32 G73G110G32 G111G117G114G32 G112G114G111G112G111G115G97G108G44 G104G101G97G108G116G104G32G115G116G97G116G101G115G32G105G110G32G116G104G101G32G105G110G116G101G114G118G97G108G32G91 G4 ,G80G80+1 G93G32G97G114G101G32G116G111 G98G101G32 G99G111G118G101G114G101G100G32 G98G121G32 G99G111G109G112G117G108G115G111G114G121G32 G105G110G115G117G114G97G110G99G101G46G32 G84G104G101 G99G111G115G116G32 G111G102G32 G100G111G105G110G103G32 G115G111G32 G105G115G32 G116G104G101G32 G101G120G112G101G99G116G101G100G32 G118G97G108G117G101G32 G111G102 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