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So let me see. Rupeybabes, as we must now call him, has left us to enjoy his pension. Costs budgeting is actually a two edged sword but it has its benefits as well as its burdens. I could list them but it would be boring. Fixed costs puts the whip hand in for those with money - end of. They can behave as badly as they wish and still not have to pay even 80% of the cost of their behaviour. History will see him as a reformer but a bit of a handmaid to the ongoing (evil) lovefest between Government and Insurers.

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