[Solved] Current laws require the use of condoms during filming of pornographic films. HMO Outcome: The results or effects of health maintenance organization (HMO) policies on healthcare quality, costs, and patient satisfaction. Risk-neutral: A description of an investor's or decision maker's attitude towards risk in which they are indifferent between different prospects with the same expected return, regardless of the associated risk. Megalopolis: A large, heavily populated urban complex that includes several cities and their suburban peripheries. College Graduates: Individuals who have completed a college-level education, earning an associate degree, bachelor's degree, or higher.