. The poor are the principal beneficiaries of universal access to social services. . Instead of thinking in terms of supply, we need to meet the demand for services from the poor. . Policies should be judged by their outcomes rather than by the amount of resources employed. . Coherent, long-term...

Medical divorce occurs when couples split up so that one spouse's medical bills do not deplete the assets of the healthy spouse. It has not been studied in the economics literature, but it has been discussed by attorneys and widely reported in the media. We develop a model of medical divorce...