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Interesting controversial topic that will make British statisticians laugh, with references to ROI, actuaries, analytic thinking, crowd sourcing - and even Jesus! Read article at http://www.analyticbridge.com/forum/topics/not-having-health-insurance-is-the-right-analytical-decision You may leave the list at any time by sending the command SIGNOFF allstat to [log in to unmask], leaving the subject line blank.