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Add another tax in the U. S., the time tax. The hours and hours on the phone to suggest the provider send the bill to this or that place first, or other bureaucratic minutiae. The time tax goes after your life, not your treasure. The proposal years ago for a standard array of forms for claims and appeals would avoid many errors and streamline the "system."

"Time tax" is not an original thought, but I have forgotten where I first learned it.

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