3 doctors are returning from a conference when a truck crosses the median and hits their limo. All of a sudden they are face to face with St. Peter. He looks at the doctors and says "Tell me why I should let you into Heaven." The first doc said " I won the Nobel Peace Prize in medicine." "OK," said St. Peter, "welcome to Heaven." The second doc looked worried and said "I never won any prize; I devoted my career to a free clinic where people could get treatment at no cost." St.Peter smiled as he held open the Pearly Gates for doctor # 2. The third doctor smiled and said " I am responsible for setting up HMO's throughout the United States." St.Pete looked this man in the eye and said "You may enter Heaven as well, but you can only stay 3 days."