Martin Hensher ([email protected]) is an associate professor of health systems financing and organization in Deakin University’s Institute for Health Transformation, in Burwood, Victoria, Australia.

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Alexandra Twin has 15+ years of experience as an editor and writer, covering financial news for public and private companies. Robert Kelly is managing director of XTS Energy LLC, and has more than ...

Sean Ross is a strategic adviser at 1031x.com, Investopedia contributor, and the founder and manager of Free Lances Ltd. Suzanne is a content marketer, writer, and fact-checker. She holds a Bachelor ...