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Thanks Bernard a couple of points on Social Insurance, 1. What do people do who are already paying for Private Unemployment Insurance? Do these people pay twice? or three times now in terms of a levy and reduced income? Additionally, Severely marginalized groups such as disabled people will be further disadvantaged by these changes, now they will be subjected to an ACC system which is already recognised as providing them with a poor outcomes in the Health space, when they are recognized as being disadvantaged in terms of accessing the workforce

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