@unpublished{publication-15093,
	author={Scheuer, Florian and Smetters, Kent},
	doi={10.3386/w19835},
	institution={National Bureau of Economic Research},
	number=19835,
	pages=34,
	series={NBER Working papers},
	title={Could a website really have doomed the health exchanges? multiple equilibria, initial conditions and the construction of the fine},
	year=2014,
}