"In the current climate, small insurance companies are at a strong
competitive disadvantage and because of the continued consolidation in the
industry, it is rather hard to start a newcompany (or non-profit)"

Insurance company?  This could be extended to way beyond insurance
companies.

In a historical perspective, the government has been a sometimes willing and
sometimes unwitting aid to the process.

J

-

The inherent vice of capitalism is the unequal sharing of blessings; the
inherent vice of socialism is the equal sharing of miseries. - Winston
Churchill


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