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Learning in Real Time is a concise and practical resource for education professionals teaching live and online or those wanting to humanize and improve interaction in their online courses by adding a synchronous learning component. The book offers keen insight into the world of synchronous learning tools, guides instructors in evaluating how and when to use them, and illustrates how educators can develop their own strategies and styles in implementing such tools to improve online learning.

Moral hazard--the tendency to change behavior when the cost of that behavior will be borne by others--is a particularly tricky question when considering health care. Kenneth J. Arrow's seminal 1963 paper on this topic (included in this volume) was one of the first to explore the implication of moral hazard for health care, and Amy Finkelstein--recognized as one of the world's foremost experts on the topic--here examines this issue in the context of contemporary American health care policy.

Drawing on research from both the original RAND Health Insurance Experiment and her own research,...