@misc{indiciae06ad16c3b8c2,
  title = {Predicting cost for new HMO subscribers.},
  author = {B J Volicer and D M Romagnoli},
  year = {1988},
  url = {https://pubmed.ncbi.nlm.nih.gov/3204016/},
  note = {Source identifier: 3204016}
}