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  Barry, you play the game with two part decks.
  As with any insurance scheme;health, motor, home and pet. At the point of treatment cost is not the major concern, earnings and profit are.
  Your love of insurance does not stretch itself to the ambulance chasing claims market. Is there not to be a clamp-down on whip-lash payouts?
  "not a stone was left unturned" Why does that not translate as, Not a procedure covered by the insurance left unperformed and claimed for?
  There is nothing special about being pleased to, and expert in, spending other people's money. It's just always wrong when Governments do it?
  "The fact is you cannot compare the costs of two very [different?] tax systems and healthcare systems ..."
  The system the German's have for paying bankers does not show 'our' system in a good light either.

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