Writing for non-economists, Kling (a former economist with the Federal Reserve Board and Freddie Mac) outlines his proposals for healthcare funding in the United States. He outlines, in great detail, a market-oriented approach that would be based on a greater reliance on private saving, market innovation, and cost/benefit analysis. His solution would reduce government spending from 40 to 13 percent and increase out-of-pocket payments from 19 to 56 percent of health spending. This move toward personal responsibility for healthcare, he demonstrates, could eliminate waste and contain healthcare costs. Annotation ©2006 Book News, Inc., Portland, OR (booknews.com)