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      This problem is known to the web online casino293 insurance industry as moral hazard. A further twist has occurred in the last 25 years as costs of medical care have risen, and a third party (an insurance company or government agency) now often insists upon a share of decision-making power for a variety of reasons, reducing freedom of choice of healthcare providers and patients in many ways. The quality of the patient-physician relationship is important to both parties. As such, production within commodity-based economies tends to be limited by the supply of the commodity currency.[citation needed] This problem is compounded by the fact that money also serves as a store of value