Clarify note on switching costs in presentation #25
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Added a note indicating missing information regarding switching costs.
Clarified the definition of family specific intercept for high-deductible plans by specifying that unit $k$ can be either family or single.
Fix subscript for time-varying demographic covariates
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Flagging that there's an incomplete sentence on this slide, not sure what's intended. Also fixing accidental subscript in CARA utility definition.