Paperback version available from www.lulu.com or pdf below. Expires 4/12/21. Shows how consumers can transform our healthcare system. Consumerism and value creation PDF Remember that CE exams must be monitored by a disinterested party. Be sure your monitor is with you when you start the exam! And be sure to note the time that you start. You and your monitor will need to complete an Affidavit when you finish.