Bradley Smith is a health benefits consultant and has held positions in the insurance industry and with government agencies.

Published jointly by The Heartland Institute and the Michigan Research Institute. Nothing in this Heartland Institute/Michigan Research Institute Report should be construed as necessarily reflecting the views of The Heartland Institute or the Michigan Research Institute, or as an attempt to aid or hinder the passage of any legislation.

Copyright 1987 by The Heartland Institute. For additional copies or reprint permission, contact The Heartland Institute (59 E. Van Buren #810, Chicago, IL 60605; 312-427-3060) or the Michigan Research Institute (800 Michigan National Tower, Lansing, MI 48933; 517-374-9100).