code='<div class=\'TestimonyText\'><span class=\'TestimonyQuoteLeft\'>&ldquo;</span>As more and more of the costs of healthcare are shifted to consumers, people are going to need more credit.&#34;<span class=\'TestimonyQuoteLeft\'>&rsquo;</span></div><div class=\'TestimonyName\' align=\'left\'><strong>Celent</strong></div><br /> <div class=\'TestimonyText\'><span class=\'TestimonyQuoteLeft\'>&ldquo;</span>More than a third - 38 percent - of Americans would consider some form of borrowing to pay medical bills.&#34;<span class=\'TestimonyQuoteLeft\'>&rsquo;</span></div><div class=\'TestimonyName\' align=\'left\'><strong>GfK Roper Public Affairs & Media study</strong></div><br /> <div class=\'TestimonyText\'><span class=\'TestimonyQuoteLeft\'>&ldquo;</span>For hospitals undertaking larger transactions, sales finance programs similar to those offered by appliance and auto dealers should be available to address patient bad debt.&#34;<span class=\'TestimonyQuoteLeft\'>&rsquo;</span></div><div class=\'TestimonyName\' align=\'left\'><strong>McKinsey & Company</strong></div><br /> <div class=\'TestimonyText\'><span class=\'TestimonyQuoteLeft\'>&ldquo;</span>Rising deductibles, co-payments and other costs may force more people with health insurance to finance out-of-pocket expenses for even basic medical care.&#34;<span class=\'TestimonyQuoteLeft\'>&rsquo;</span></div><div class=\'TestimonyName\' align=\'left\'><strong>NY Times</strong></div><br /> '