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08:18 - thank you, you confirmed my thought that I cannot identify the high-quality, good-value services that they go on about.

For the rest, it is like a game of ABI bingo. But to respond, bump up the fixed costs a touch to make them actually worth doing with just fixed costs coming in, ban CMCs and referral fees across all sectors, and ban success fees on RTAs - job done.

But what will insurers do then when they cannot act as a CMC in their own right?

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