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While the $3.1 billion in total costs to employers is alarming, whats even more disturbing is the actual number is likely far higher than estimated, as this study does not account for items such as higher health insurance premiums for employers who purchase private insurance, higher workers compensation costs for smokers, higher life insurance premiums for smoking employees, and the cost of secondhand smoke on non-smokers in workplaces where smoking is permitted, the report notes

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This long-term study took data from a cohort of 1037 individuals who were interviewed at ages 18, 21, 26, and 38

I do not believe LIV is good for golf but is good for the players who want the security of money in the bank