@unpublished{publication-15093, author={Scheuer, Florian and Smetters, Kent}, doi={10.3386/w19835}, institution={National Bureau of Economic Research (NEBR)}, number=19835,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