First, address this question: An individual is experiencing severe neck and shoulder pain that can be treated by a massage therapist (relaxes and realigns muscles), which in turn helps alleviate the pain. The insurance company has an issue in that the procedure also feels good–many individuals will seek treatment because of the relaxation process. Would you consider this a joint cost allocation problem? Help the insurance company decide how to handle the situation. In addition, discuss a product that may have byproducts.