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Anon 11:59

Why would one not take advantage if a system allows it? Is that not being commercially minded?

But then the system wasn't broken in 1999 and in fact it pretty much wasn't broken from the late '00s.

The system wasn't broken, but opportunities were given to some to cripple the sector in the long run. In no particular order:

Medical agencies/experts churning out dodgy reports
Credit hire

Sod all of the potential changes - get rid of CMCs and advertising, have all experts registering with MedCo as individuals, and fix credit hire at a reasonable sum with evidence needed to justify hire at all.

With several strokes of the sword enticement goes as does the add on income that attracts the dodgy element like bees to honey.

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