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I detest fundholding but, I admit freely, this is more to do with the fact that I simply can't be bothered with it than for any other reason. However, it occurred to me (while walking the dog, which is when all STONKING ideas occur to me) that fundholding should be extended to its logical conclusion. This occurred to me after reading about all the problems with cash-strapped HAs and overspent fundoholders. This is just what HMG wants, isn't it? Transfer the responsibility from central gov to us but still control the total amount of cash in the system. Anyway, my idea is to make every citizen a fundholder. Allocate so much a year to each person - add your personal weighting system to take account of illnesses, age, whatever. We could make it a virtual account, smart cards, whatever you like to keep the tekkie-medics happy. Everytime someone wants something (consultation, operation, prescription, bp check) their account is debited. People can top of their accounts with their own cash should they so wish. Sounds a bit like health insurance, doesn't it? But, but, but if someone runs out of cash then THAT'S IT!!! hahaha Too bad. You should have managed your funds more carefully. Relieve the stress for us. Not. Think it will work? I'll be walking the dog again this evening. I wonder what spiffing wheeze will occur to me then. %%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%