Redefining the Health Policy Experience with CloudClinic: Empowering HMOs in Nigeria  In life, there are “Knowns,” and there are “Unknowns.” Most people relish the idea of the known – it’s their haven, their comfort zone. They’ve grown so accustomed to it that they’re afraid to step out, even if it would impact them positively. Then, there’s the unknown, the uncharted territory most people are afraid to venture into, even though