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The average cost of one test-tube baby is more than $72,000, according to a study published today in the New England Journal of Medicine. A single attempt at in-vitro fertilization carries a price tag of $8,000, but because of the procedure's high rate of failure, the actual cost is multiplied many times over by repeated attempts. Only about 1 of 10 women gets pregnant with the first in-vitro procedure, and the odds only grow longer after that first try.