Svetlana, government did not create this monopoly.. it's a fact that we allow local governments to create all kinds of stupid local laws too "amend" the federal regulations. But that's more of a constitutional issue, i think..
Again, there is no harm in public insurance company, as long as it's not subsidized.

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Человек, который почувствовал ветер перемен, должен построить не щит от ветра, а ветряную мельницу