As a manager of a financial planning business you have two financial planner.  In an hour, Phil can produce either one financial statement or answer 10 phone calls, while Francis can iether produce 3 financial statements or answer 12 phone calls.  Deoe either person have an absolute advantage in producing both products?  Should these two planners be self-sufficient or specialize?|||Francis has an advantage.
They should be specialized.
Francis should make the financial statements and Phil should answer the phones.
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