A patient visits a clinic. She incurs $10 in travel costs and has a copayment of $20. The clinic’s total charge is $60. The clinic spends $9 to bill the insurance company for the visit and uses resources worth $51 to produce the visit. The insurance company pays the clinic $40 and spends $11 to process the claim. Describe the cost of the visit from the perspective of the patient, the clinic, the insurer, and society.