How many are there in a book? <a href="http://barlens.com.au/i-fit4lifecc-72f7.pdf#applied">i-fit4life.cc</a>  Fewer-than-expected medical procedures and visits to doctors are the main reason why previous forecasts were off base, says Aon Hewitt chief healthcare actuary Tim Nimmer. The company predicted that people would start using more services as the economy rebounded, but they simply did not, he says.