Liz Johnson, a quiet widow, moved to The Villages retirement community and within a week is discovered by Frank Brandon, a man who bedeviled her when they were in first and second grade. But Frank's seemingly unchanged, boisterous exterior belies a depth of character and a love of literature that is only belatedly discovered by Liz, well after she's booted him out of her home and perhaps her life. It takes a common tragedy and a bit of help from Jane Austen's Darcy to unite the two.

A married doctor struggles with his sense of duty to his profession, commitment to his family, and a compelling love for his soul mate, a nurse. It is a love transcending time ... a destiny, perhaps, spanning generations.

Two physicians' perspectives on life are dramatically transformed when one of them is diagnosed with a life-threatening illness. One becomes reflective while the other emerges from the experience with an unquenchable verve for making the most of every moment. Though merely colleagues at the onset, their deep love which evolved over the course of the affliction eventually prevailed, surmounting the dichotomy that, for a time, drove them apart.

We report on a large randomized controlled trial of hospital insurance for above-poverty-line Indian households. Households were assigned to free insurance, sale of insurance, sale plus cash transfer, or control. To estimate spillovers, the fraction of households offered insurance varied across villages. The opportunity to purchase insurance led to 59.91% uptake and access to free insurance to 78.71% uptake. Access increased insurance utilization. Positive spillover effects on utilization suggest learning from peers. Many beneficiaries were unable to use insurance, demonstrating hurdles to expanding access via insurance. Across a range of health measures, we estimate no significant impacts on health.

We report on a large randomized controlled trial of hospital insurance for above-poverty-line Indian households. Households were assigned to free insurance, sale of insurance, sale plus cash transfer, or control. To estimate spillovers, the fraction of households offered insurance varied across villages. The opportunity to purchase insurance led to 59.91% uptake and access to free insurance to 78.71% uptake. Access increased insurance utilization. Positive spillover effects on utilization suggest learning from peers. Many beneficiaries were unable to use insurance, demonstrating hurdles to expanding access via insurance. Across a range of health measures, we estimate no significant impacts on health.