1- in your opinion, how serious the defensive medicine in the U.S. health care to increase the total costs? Which model, the supplier-induced demand (SID) or the McGuire quantity-setting model, is better to explain the practice of defensive medicine? Explain your choice briefly.  

2- OB/GYN physicians always face the highest malpractice insurance premium. Why? Does it just come from the higher risk of OB/GYN medical treatments or any additional factor? Please explain your answer with insights.