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Typically, researchers and their assistants carry out computer searches to identify anywhere from a couple of to hundreds of new research research, then they decide which of them are relevant and assemble the information into up to date pointers and recommendations. However, there are also a substantial amount of people who face rising premiums which more and more eat up larger percentages of their income. For this group of people, the free market mannequin is not working so effectively. While premiums are rising across the board, and on common have doubled over the past decade, typically even increased raises in premium …