@misc{indiciae469ef5b23b58,
  title = {Consumer-choice purchasing pools: past tense, future perfect?},
  author = {R E Curtis and E Neuschler and R Forland},
  doi = {10.1377/hlthaff.20.1.164},
  url = {https://pubmed.ncbi.nlm.nih.gov/11194837/},
  note = {Source identifier: 11194837}
}