Provide a detailed, step-by-step mechanism for the reaction shown below. 
Definitions:
Dental Insurance
An insurance coverage designed to pay a portion of the costs associated with dental care, ranging from routine preventive care to more complex procedures.
High-Productivity
A measure of efficiency that describes a high output level per unit of input within a given time period.
Educational Level
A measure of the highest level of schooling or training achieved by an individual, often critical for determining employment opportunities and income.
Learning Cost
The expenses related to acquiring new skills or knowledge, including both direct costs and opportunity costs.
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