Second, it launched a shrewd strategy of promotions (discounts and free shipping) that allowed the company to attain economies of scale.

FORBES: One Dotcom Angel Flying Too Close to the Sun

But Beijing said in February that financial institutions should support demand from first-time home buyers, and it allowed banks to offer discounts on mortgage rates.

WSJ: China Housing Market Shows Signs of Warming

While Obamacare limits how rates can be set, it does appear that discounts for wellness and prevention programs of some form will be allowed.

FORBES: Will Body Monitoring Implants Be The Future of Healthcare?