Apart from the higher commodity costs, the lack of higher menu prices is squeezing the profit margins.

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These direct providers are able to combat many concerns through price transparency, easy access and lower costs as they establish what is basically a menu of cash only services.

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Things like group travel, health club facilities, and healthy menu options can keep retirees physically fit and may reduce health care costs.

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The breakfast menu, meanwhile, aids profit margins by letting the company allocate overhead costs across more revenue and operating hours.

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