In terms of decision-making sequences, how would you explain and describe:

(a) the 25-year-old, healthy worker who sees the same physician for minor medical needs:

(b) the retired individual who calls the state medical society and seeks a sec- ond opinion prior to open-heart surgery; and

(c) the consumer who searches WebMD to diagnose their condition and then goes to the local pharmacy and speaks to the physician about a possible over-the-counter remedy to help them with their self-diagnosis.