Elke is 68, a retired physician who once ran a well-regarded private practice. Her rooms were modern, her equipment up-to-date, her patient relationships strong. From the outside, it looked like a model of professional success. Inside the balance sheet, pressures accumulated: substantial loan-financed investments, a long, rigid lease, and later, changes to reimbursement rules that compressed revenue while fixed costs stayed stubbornly high.
Dr. Elke – Germany
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