Affiliate Marketing Secrets

Some recent Affiliate Marketing auctions on eBay:

[wprebay kw=”affiliate+marketing” num=”69″ ebcat=”-1″]
[wprebay kw=”affiliate+marketing” num=”70″ ebcat=”-1″]

Hospitals won’t tell you what a procedure costs before they do it.
“Even doctors often do not know the costs of the tests and procedures they prescribe. When Dr. Michael Collins, an internist in East Hartford, Conn., called the hospital that he is affiliated with to price lab tests and a colonoscopy, he could not get an answer. “It’s impossible for me to think about cost,” he said. “If you go to the supermarket and there are no prices, how can you make intelligent decisions?”
“Instead, payments are often determined in countless negotiations between a doctor, hospital or pharmacy, and an insurer, with the result often depending on their relative negotiating power. Insurers have limited incentive to bargain forcefully, since they can raise premiums to cover costs.”http://www.nytimes.com/2013/06/02/health…

Damn, it’s really confusing.As we know a layered approach of OS Design has the hardware at level 0,the basic subroutines above it,then the core OS functions, then system programs and so on as we go up the level with the user interface coming at the highest level.And in the Micro-kernel approach,the basic functions of the OS are abstracted as the micro-kernel.
Now PLEASE tell me, other than terminology, is there any difference at all?Can’t we call the first few layers in the layered approach as Micro-kernel too?
My book (Operating System Principles-Galvin Gagne 7th ed) says the two are different and has separate sections for each,but at the same time adds the following confusing lines :
“Mac OS X structures the operating system using a layered technique where one layer consists of the Mach microkernel” (Chapter 2,section 2.7.4)”
Can any of you fine people answer this question? (I am not sure if I am overoptimistic in expecting answers to questions on “niche” subjects like this, but you see, I have got answers to similar questions on computer architecture on Y!A…..)