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    Insurance is a luxury for some, BarryW, and unobtainable for others. I don't dispute the need for reform and something much more than tweaking, but I think you are wildly optimistic about the possible developments along insurance pathways. The NHS has a habit of placing rose-coloured specs on many people who think it is wonderful despite the huge and damning evidence to the contrary - reform has the same effect on right-wingers!!!!

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