economists stefano della vigna and ulrike malmendier analyzed records from three u.s. health clubs and discovered that gym goers would have been better off, financially, had they chosen to pay per workout rather than signing up for monthly or annual memberships.that is, even with the discount that came with a long-term commitment, members paid more on average per visit than they would have paid had they bought a single-day or ten-visit pass. 여기서 가정법 if 가 생략 되었다고 하는데. 글엄 if를 넣고 봤을때 해석이 가정법으로 되지 않네요

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