Funds, therefore, are created as a means to aggregate these individual sums of money into a single pool which can be managed efficiently and effectively.

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So it's important in any health care program to make sure that the young and the healthy and the older and the sicker are in a single pool.

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But, for the avoidance of doubt, eurozone members have not merged their financial resources to provide a single pool of money to rescue banks, or to insure depositors against losses.

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