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Reply to anonymous @ 14:18 GMT

It actually isn't hard to answer your questions but I doubt you will like the response

1) The cost of repairs does not go down, IPT does not go down, employees wages do not go down, costs of hire continue to spiral , hard and soft cycles of premiums based on aggregator's , to name a few but very important reasons

2) Because the reforms have taken a good number of years to see the light of day

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