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Without s.39 SA 1974 no one would be in this mrs. And who was responsible for that? What was wrong with simply requiring all firms to be covered by a responsible, respectable insurer, but you find your own cover and just produce a Certificate of Insurance when you apply for your PC?

And I like the idea of a mutual, Anon12.34, but how would, or even could, the pitfalls that befell SIF be avoided do you suggest?

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