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• Researchers are advancing materials and device concepts that treat heat as something that can be stored, directed, or actively managed, rather than merely dissipated. • Researche

• Researchers are advancing materials and device concepts that treat heat as something that can be stored, directed, or actively managed, rather than merely dissipated.

• Shifting healthcare dollars into individual-controlled accounts would mark an inflection point. • But even without full policy execution, consumer wallet economics are expanding.