Within the Medicare program, 10 million of the current 44 million beneficiaries have five or more chronic conditions, such as diabetes or congestive heart failure, and these 10 million cost the program 68% of the budgeted dollars.

FORBES: Leslie V. Norwalk

People often budgeted an entire afternoon for a trip to a bank branch to check their balances or to make a deposit, withdrawal or payment, explained Anthony Mwai, country general manager for IBM in East Africa.

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