More centrist Democrats share the goal of universal coverage, but have gravitated toward a regulate-mandate-subsidize model because it has a lower explicit fiscal cost and keeps much of the insurance market in private hands.

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Set aside a little time each day to question all the assumptions both explicit and, more importantly, implicit that underlie your business model.

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In a simple, ingenious way, a company called HitBliss takes this fuzzy ad-for-content model, pulls it apart and makes everything deliberate, transparent and explicit.

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