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Still talking - no action!
In basic terms, we all put a little in the pot from which the unfortunate take their compensation when a claim occurs. If you don't put in the pot you can't take it out. There is a difference bewteen those who can't buy insurance and those who won't buy insurance. I expect we shall end up paying for those who won't, which defeats the whole principle of insurance. I feel another fudge coming.

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