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Interest is paid by a bank when money is deposited because the bank uses that money to make loans. The universal truths will be correspondingly small in number and we must face the probability that the phenomena that we are interested in has disappeared entirely. And if an old age pensioner who used to wait 2 years for her cataract operation now gets it on the nhs in an independent treatment centre, in 3 months, free at the point of use, that is not damaging the nhs it is fulfilling its purpose.
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