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In a year the only thing I would change about this piece is, after a year, I have changed my opinion. I don't think the program should be paused, but should be stopped entirely and withdrawn akin to the 1976 "Swine flu" vaccine program. It should then be investigated fully on the public and private halves of the partnership. An obvious fraud has occurred and the actuary data can't lie, the life insurers sure know where the bodies are buried and why.

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