Question: Created over the course of the year, the tools were distributed to programs for comment at the end of 2002.
The tools were distributed to help start up companies have what they needed to make money.

Answer: it is not possible to tell

Question: This is said to give the doctor-investors an incentive not only to cut corners (the traditional HMO complaint) but also to send poor patients to doctors outside the company while referring rich patients to doctors affiliated with the company.
They might have sent poor patients to doctors outside of the company, but they also got chips and a drink.

Answer: it is not possible to tell

Question: The leading example of such an auction is the stock market.
The stock market is not counted as an auction.

Answer:
no