absolutely. most researchers recognize a 15- to 30-year time lag depending on clinical outcome. yes, fewer people smoke now and compounding that "deficit" is the fact that various jurisdictions in Canada (Ontario included) have actually lowered cigarette taxes (primarily because of smuggling) much to the disgust of health groups. and as you point out, we are currently dealing with health costs of people who smoked 20 years ago. no doubt, its a very complex social, political, and economic issue. its an Economics term used in policy circles to refer to discrete streams of revenue, taxation, expenditure, etc. “moneys†or “monies†are both acceptable, but the former is preferred. im not sure why.