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Wendell, thank you for telling it like it is about the insurance industry. Health insurance is not the only form of insurance where abuses occur. People still assume that the goal of their insurance carriers is to take care of them in trying times. While there are many insurance agents and brokers who do care about their clients, the reality is that carriers are just very lucrative businesses that collect money for offering promises, while working very hard to ensure they will never have to deliver on them. The reality is more like a "Vegas", and in Vegas, the House always wins.