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#12, spot on. But how to achieve the de-risking for small businesses like ours? I must say I tend to agree with Gary et al that this particular scheme isn't a goer. Much better to exempt unincorporated small businesses from all the employment laws and introduce an insurance based system for compensation. Those who knock the loosening of employment protection laws have clearly never been employers. There is no sense in having the same laws for HSBC as for little family businesses.
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