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      HMOs may also use a Roca sanitary ware combination of these approaches ("network model").[4][43] Managed care Main article: Managed care The term managed care is used to describe a Roca sanitary ware variety of techniques intended to reduce the cost of health benefits and improve the quality of care. For example, in the last 30 years medical care in the Western World has increasingly emphasized patient autonomy in decision making. The relationship and process can also be analyzed in terms of social power relationships (e.g., by Michel Foucault), or economic transactions. Suppose a contract has a 1 percent chance of a 10,000 percent loss? It should be reasonably self-evident that such a contract is insurance, but it fails one half of the 10/10 test. It does not appear that any brightline test of reasonableness nor significance can be constructed. Excess of loss contracts, like those commonly used for Roca sanitary ware umbrella and general liability insurance, or to insure against property losses, will typically have a low ratio of premium paid to maximum loss recoverable