Tom and Betty should not be under any illusions about the profit-driven side of the clinic to which they have entrusted their infertility treatment.5 It is not a nonprofit medical clinic but a for-profit business. The doctors, nurses, and staff of this organization have worked hard and devoted considerable amounts of hours and dollars to earning degrees. Most of them likely have deferred debt from student loans. Moreover, it is costly day-to-day to run a business. Salaries for staff average more