(b) D is a measure ofjobspecic human capital; as workers learn the job, they become more productive so D > 0. However, not every job or industry has the same value for D. In some lines of work D is low, while in others D is high, simply because of the nature of the work. Given the results you have seen in this problem, in which types of industries highD or lowD would you expect there to be a larger fraction of employers offering pooled health insurance to workers? I I'll"