22. In what ways do economists and policymakers who believe that market-based reforms are the key to improving the health care system criticize the Patient Protection and Affordable Care Act (ACA)? Explain why you agree or disagree with their criticism? 23. Why do financial markets depend on accurate accounting and disclosure practices? Explain why this is important and explain who benefits from these requirements? 24. Article Summary: Voters in California approved a $2 per pack tax increase on cigarettes, which went into effect on April 1, 2017. Cigarette taxes are now $2.87 per pack in California, the ninth highest cigarette tax in the country. Approximately one-in-nine adults in California are smokers, and the tax increase is estimated to generate almost $1.4 billion in revenue during the first year, with the revenue designated for the state-run health care plan as well as various state-wide anti- smoking campaigns. Source: Andrew Blake, "Cigarette tax hike takes effect in California, costs surge by $2 per pack," Washington Times, April 1, 2017. The additional tax of $2 per pack of cigarettes will have what effect on the market for cigarettes in California? What are some externalities of the above decision? What private cost and social cost will occur because of the above decision? Explain