One could even argue that private sector dysfunction in this market has has more profound negative consequences than public sector dysfunction.

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"Intervention is a dysfunction in a free-market environment, " says Reliance National's Cron.

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With 23 product groups pushing 82, 000 commodity products onto the market, it had decentralized itself into near-dysfunction.

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With 23 product groups pushing 82, 000 commodity products onto the market, the company had decentralized itself into near-dysfunction.

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