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2- What difference would you expect to observe in the fees set by three young physicians just setting up private practice if one financed his education by borrowing and must now make payments of $9,600 per year for 15 years, another had her entire education paid for by her parents, and the third went all the way through medical school on government-provided scholarships and grants? How are current doctor fees (what they can charge patients) related to past costs?

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