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    Just a short answer for Neil on 37 I Don't see any problems for expatriates in Southern Europe as most are retired or run their own businesses so are no drain on resources and spend money there rather than earn money and send some home. With tourists they mostly take out holiday health insurance before they leave the country. Pensions would be paid by the country where people have paid in. Will come back in more detail in the in/out issue later.

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