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why delay these changes when they are so inevitable and important? probably because they are slowly starting to unravel when trying to codify a system that will actually work. Very similar to Brexit fine in principle but when you actually get down to it the whole thing is unforgivingly complex. ' claims under £5,000 will be minor and straightforward enough not to require a lawyer.' ??? Only someone that has never practised as a lawyer would say such a thing. If you stop and think about it for a minute taking lawyers out of the picture just doesn't work unless you rewrite the jurisprudence that governs these claims.