REMEMBER THAT COMMERCIAL WHERE I EXPLAINED THE FUNDAMENTALS OF INSURANCE; AND TOLD YOU IT WAS POOLED RISK AND THAT EXPENSES LIKE THESE ADS AND LOBBYING WE DO TO DEPRIVE YOU OF A SINGLE PAYER OPTION IS SUBTRACTED FROM THE MONEY AVAILABLE TO PAY OUT CLAIMS? WE MAKE THE BIG BUCKS BECAUSE WE LEAVE THAT OUT!
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