Given the complexity of this specific vehicle, Mr. Harris recommends purchasing an insurance policy with a rate of return between 5% and 6.5%.

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Its evidence lists the practical problems to recovering the cost of treating diseases, and says a proposal to refund the money to the Welsh government instead of specific parts of the NHS "creates further complexity".

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Of course, with more choice comes more complexity: "Individual insurance is very market-specific, " says Hurley.

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But it also makes it difficult to provide a specific address for an Internet caller, and vendors worry about the cost and complexity of adjusting their systems to do so.

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