Choose one of the following programs to discuss: Social Security, Medicare, or payroll deduction (railroad, interstate, federal programs). Write a 1,000- to 1,200-words that cover the following historical changes:

1. Discuss the historical perspective, demand, and creation of the program.
2. Explain the background, benefits, who was covered, and the challenges involved in creating the program.
3. Describe how your program impacts the lack of price transparency and quality today.
4. Explain the changes in pricing and transparency over the course of your selected program.

Include three scholarly sources, including your textbook.