Problem: Jack, a 67-year-old White man, and Tim, a 68-year old Black man, have been friends for over 60 years. They attended school together for many years in Detroit until Jack transferred to a different school when his father got promoted and they moved to a more affluent community. The same year, Tim's father was seriously injured in a car accident and could no longer work. Tim dropped out of school and got a job on an assembly line at an automobile manufacturing company to help support his family. Jack went to college, earned a degree, and had a career in finance. Tim was laid off in his 40s when his company moved the manufacturing facility overseas. After that, he had difficulty finding work, and held down a number of jobs before a series of medical conditions forced him to retire. Today, Jack is relatively healthy, lives in an upper middle class neighborhood, and is planning to retire next year, at which point his full pension and postretirement medical benefits will kick in. Tim lives in a small house in a rural community about 30 miles away from the closest city. He is on a fixed income and his health is?