Many people think employers should not be in the business of providing health insurance coverage anyway because of the added layer of complexity and cost, so this might be a good thing.

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Each layer of distribution adds to the cost of goods thus eating into their already razor-thin margins, since all consumer goods sold in India have an MSRP which is the final price a customer is willing to pay.

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That extra layer of regulation will come at a cost for many banks, particularly small ones.

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More important, HTML5 removes a layer of software from Android, said Mr. Sullivan, and thus drives down the cost of hardware needed to run it.

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