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Dear Anon,
I just don't get it.
Are You the only one of us who is incapable of making a mistake?
Do you have no reputation or possessions to lose?
Do you think that the rest of us should compensate your clients if you do make a mistake?
And how exactly do you think saving the cost of a premium would liberalize the market?
Maybe you are not a solicitor and have some vague woolly notion of how the legal market works.
This is not your first posting of this ilk below some story totally unconnected to PII.
Time to come clean!