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  Marek and JHG - you clearly have no knowledge of the present system. All who have a home could benefit from this. Those who do not own a home do not need this. The needy in this instance are ordinary home owners who get caught out by the punishing rules unable to afford the present model of complex pre-payed for LTC insurance.
  
  All care homes are paid for, those people who are not home owners have it paid by the local authority and are often in a bed next to someone who has had to sell their home, something they scrimped and saved for, to pay for their care.
  
  It just offers a different, simpler and more affordable way to deal with the provision. I am involved professionally in these issues and I see all types of situations. Marek - it will not lead to two tier system any more than we have at present but, in fact will if anything, open up better care for more people.
  
  You also have to understand that it is not the Tory way to run these things as a Government or to impose a load of restrictive rule but to keep it simple. Simple is always best. Set the policy, bring in enabling legislation to eliminate restrictive factors like tax issues, put in place a safety net for extreme situations and let the scheme take care of itself driven by the private sector.
  
  I simply fail to see any down side at all. The only probelm here is JHG and Marek trying desperately to find fault with an idea just because it is Conservative. That says a lot about you and a lot more about the instincts of socialists. That demonstrates why I am a Tory.

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