<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>17</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">McFadden, Daniel</style></author><author><style face="normal" font="default" size="100%">Winter, Joachim</style></author><author><style face="normal" font="default" size="100%">Heiss, Florian</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">Consumer-directed Health Care: Can Consumers Look After Themselves?</style></title><secondary-title><style face="normal" font="default" size="100%">Swiss Journal of Economics and Statistics</style></secondary-title></titles><dates><year><style  face="normal" font="default" size="100%">2008</style></year></dates><urls><web-urls><url><style face="normal" font="default" size="100%">https://doi.org/10.1007/BF03399255</style></url></web-urls></urls><volume><style face="normal" font="default" size="100%">144 </style></volume><pages><style face="normal" font="default" size="100%">285-307</style></pages><language><style face="normal" font="default" size="100%">eng</style></language><issue><style face="normal" font="default" size="100%">3</style></issue></record></records></xml>