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Which do you believe is more effective as a financial plan

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Which do you believe is more effective as a financial plan: prospective payment or retrospective payment? What are the pros and cons of each? What are the services that you believe would be better served by the other plan?

The response should include a reference list. Double-space, using Times New Roman 12 pnt font, one-inch margins, and APA style of writing and citations.

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