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Jonathan Gruber is professor of economics at the Massachusetts Institute of Technology and director of the Program on Health Care at the NBER, where he is a research associate. David A. Wise is the John F. Stambaugh Professor of Political Economy at the Kennedy School of Government, Harvard University. He is area director of the Health and Retirement programs, director of the Program on the Economics of Aging, and a research associate, all at the NBER.