So the semi-voluntary provision of new loans by existing creditors might not prove the painless solution its proponents believe it to be.

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The voluntary provision of charity is economically an excellent thing, since it reduces the need for public welfare organisations that usually cost more to run.

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The provision could even affect voluntary programs to reduce energy waste and greenhouse gas emissions.

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They will never allow local voluntary organisations to take over welfare provision - and so they will never tackle welfare dependency.

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Earlier, Mr Grayling was questioned about his plans to overhaul the probation service with a payment-by-results model of provision involving private firms and voluntary groups.

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North Staffordshire Combined Healthcare Trust has made radical changes to its specialist mental health services and as part of that have set up a Women's Forum involving staff, the voluntary sector and services users to monitor service provision in relation to the needs of women.

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In order for this voluntary progressive tax to gain market share and achieve a sustainable equilibrium it must be tied to the provision of a government service that can be alternatively supplied by private institutions.

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