that is one of the questions we got last year....why are areas underserved? lifestyle, i imagine has a lot to do with it....when you are the only doc around...you are the ONLY one to do the deliveries, the sutures, the sore throats, appendectomies...and until recently rural reimbursement was less than non-rural as far as insurances go. i think too, that a lot of areas aren't known...i've never heard of norfolk, nd...let alone how many docs work there. i wouldn't say that it's all about the $$, but after 11+ years of schooling, you should be able to make an income to compensate for the work you do.