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    Bern - you make some good points but in #16 you are assuming that the new rules giving power to people will not have any safeguards. I am not against regulation as such but I do want it to be proportionate and not over-the-top. Competition and choice may well be that added element, empowering and freeing people from that tick-box beaurocrat. Howard - it is not only pensioners who get ripped off by cowboys though yes they are more vulnerable.

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