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I have since found that the cost of car ownership is probably a whole lot more than you think. If your estimates are based on what you paid for your vehicle, plus the cost of gas, oil and repairs, you.

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But the big conclusion, relevant to current debates, is on the role of mandates. Gruber compares a program of mandate-less subsidies to help people pay for insurance — broadly similar to the Obama pla.

Who else could it be? Most health-policy analysts I know regret that employers appointed themselves their employees’ agents in the markets for health insurance and health care, developing in the proce.

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