Design a web-based queuing application for a health-insurance company that offers free 24/7 telehealth access to its members through a website and mobile app. Members are spread across many U.S. states. The company employs licensed physicians to handle virtual-care consultation requests. Physicians are licensed only in specific states, so a physician may only see patients from states where that physician is licensed. Design the system that allows members to request virtual care and allows physicians to manage consultation requests in a timely, safe, and compliant way. Cover requirements, APIs, data model, queueing and matching logic, concurrency, scalability, reliability, and operational concerns.