Not all of it is, mutuals are a significant factor in many sectors.
Also insurance was often run at a deliberate loss in some sectors, the regulators didn't really like that though. That was mainly in motor insurance, the reason being that they made money from investing premium income, so wanted more premium income and that meant undercutting the competition so far they made losses from premiums.
Ther is nothing fundamentally wrong with running a business at a profit, though that is arguable with how US health insurance is set up, as even in the insurance industry we think that is a con job. Companies need funds to invest in their company.
I wasn't saying "strict rules regarding immigration", I am in favor of a generous immigration policy. I said strict rules regarding external borders of the Union. Then when you actually have legal ways for people to come into Europe, people would see how other refugees come here by airplane safe and sound, while the few that would still try getting here illegally would not be able to. Some of them might die, yes. There will always be people trying to get in illegally. But if there were legal ways in and many people coming legally far less people would try the illegal way, I believe. And so far less people would die trying. And so people would have much more faith and hope in being able to come here by waiting in the legal line rather than taking the risk of crossing the sea. Many of the people who come here illegally gets sent back anyway, so it's better that they receive that answer without having to come here first. That way we would also be able to prioritize those most in need, like children.
British policy for hundreds of years has been to avoid/prevent the majority of Europe under one rule
Why would this be surprising
We have faced trials and danger, threats to our world and our way of life. And yet, we persevere. We are the Horde. We will not let anything break our spirits!"
Insurance is not a charity, it is a service. You pay a premium and in return they get you back on your feet if shit hits the fan. If insurers don't get anything out of the deal, then why would they bother making a deal in the first place? Screw that, I'd invest somewhere else.
Because the different insurance sectors work differently? In my line of insurance there is no practical way to set up the insurer-hospital style cartels that they have in the US. The biggest problem in the US is actually the health providers, they have the insurers over a barrel in respect of costs, which the insurers then pass onto the customers.I mean id you can recognize health insurance as a con why not take one more step back.
The US system is bizarre from my point of view, if we don't like what a shipyard quotes for repair in Italy, then we go to another shipyard in Greece and get a quote from them and we can keep doing that over-and-over again. That is not possible with most medical care, you can't really start hospital shopping, a cheaper hospital in New York is probably not going to be much help to someone in Houston.
No, EU don't need the army. UN needs to go, and now.
Its UN provoking Russia, not the otherway around.
Every1 should know that Russia in terms of army power, it is bigger and stronger then even U.S Army.
Russians only take competent soldiers, unlike U.S where they will take gay, lesbians and so forth.
EU army has no chance whatsoever against Russia. Maybe they should stop provoking Russia. Good thing that countries leaving UN are probably going to ally with Russia.
We have faced trials and danger, threats to our world and our way of life. And yet, we persevere. We are the Horde. We will not let anything break our spirits!"
No i said that Front national does not like free trade.
See other people dislike the EU for other reasons.
Nope, I mean invidious. You can look that one up. Rather than try and interpret what I say, take it as it is stated.Invidious: (of an action or situation) likely to arouse or incur resentment or anger in others.Insidious: proceeding in a gradual, subtle way, but with very harmful effects.Moreover, funding parties is simply one way of steering politics. Other, far more invidious measures could be taken.
Just out of curiosity, which party has more leverage, The EU, or the UK?But open political hostility may very well occur if the EU is daft enough to carry on down the path you seem to think it will. I have more faith in the EU leaders than you seem to. And by the way, if you're going to criticise my reading skills, you may wish to try getting your spelling right, and looking up the words you do not understand.
There is one objectively true answer to this question, and Hint, its not the UK.
And this was the question being stated (and why i said you should read)
What i said:
This is the reason this leverage is completely moot.
I dont think you understand the prerequisites for a common market.And consequently the EU, in its current incarnation at least, is simply inadequate to deal with the challenges it faces.
There is no challenge here - The problem with brexit is the demos being pissed, not that the UK wants to leave, that's just a symptom.One such challenge is dealing with Brexit itself.
But there doesn't need to be an agreement - Worst comes to pass, its a 3% GDP decline across the EU.That is, dealing with it in a way which allows for agreement among remaining member states. The difficulty here alone could amount to an existential threat.
and 15% decline across the UK.
Yes but London benefits from freedom of movement, it's one of the key elements in passport banking which is what london lives from. If it came down to it I think the UK would throw their entire electorate under the bus in order to protect London and it's financial institutions.
France tried, Germany tried, it is not worth the hassle for just five extra armies. Everyone knows you go for Australia first, it is easier to defend.
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London doesn't need lower end Polish immigrants though, we have Commonwealth nationals for those positions, we would not want to restrict qualified people from entering the UK and that is what drives London's financial markets.