Thanks to Dr. Louise Linney for her help with interpretation of the Ontario Ministry of Health's Schedule of Benefits. Thanks to Martin Brooks, Grigoris Karakoulas, Cullen Schaffer, Diana Gordon, Tim Niblett, Steven Minton, and three anonymous referees of JAIR for their very helpful comments on earlier versions of this paper. This work was presented in informal talks at the University of Ottawa and the Naval Research Laboratory. Thanks to both audiences for their feedback.