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Table of Contents

Part I — The Dream, the Drift, and the Wrong Turn

Prologue
Chapter 1 — The Night I Saw It
Chapter 2 — When It Still Worked
Chapter 3 — Into the Rabbit Hole
Chapter 4 — Two Viewpoints — Two Structures
Chapter 5 — The Evidence You Can Feel
Chapter 6 — Choosing Your Advisor
Chapter 7 — Where the Money Flows
Chapter 8 — A Return To Simplicity
Chapter 9 — The Lens Changes

Part II — From Reimagination to Repositioning

Part II Introduction
Chapter 10 — Where the Money Is Currently Flowing
Chapter 11 — The Great Redirection
Chapter 12 — The Health Capital Account
Chapter 13 — What Is a Personal Vitality Advisor
Chapter 14 — When the Consumer Disagrees
Chapter 15 — The Friendly Companion
Chapter 16 — When Life Feels Like Freedom
Chapter 17 — Prices in the Open
Chapter 18 — What Must Change
Chapter 19 — Transition Phases
Chapter 20 — What Gets Out of the Way
Chapter 21 — What About the Sick
Chapter 22 — Trust, Privacy, and the Data Deal
Chapter 23 — The Return of Competition
Chapter 24 — The Competition Nobody Sees Coming
Chapter 25 — The Ask
Epilogue — Back to the Dream

Appendices

Appendix A — Glossary of Terms
Appendix B — The Fork in the Road: The 1973 HMO Act
Appendix C — The Cost of Sick Care
Appendix D — Evidence & Charts
Appendix E — National Vitality-Capital Model Framework
Appendix F — Health Capital Account In Action
Appendix G — Future-Ready Healing
Appendix H — PVA Compensation & Performance Escrow
Appendix I — What's In It for the Government?
Appendix J — Clearing the Brush: Regulatory Changes
Appendix K — Chronological Roadmap
Appendix L — Thematic Roadmap