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	<title>Comments on: Health Insurance &#8220;Innovation&#8221;</title>
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	<description>What happened to the global economy and what we can do about it</description>
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		<title>By: carol</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-25133</link>
		<dc:creator><![CDATA[carol]]></dc:creator>
		<pubDate>Tue, 25 Aug 2009 02:19:31 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-25133</guid>
		<description><![CDATA[Oh, we&#039;re not socialists? who do you go running to when things go wrong? Who just bailed out your sorry economy?

And no, we do NOT have &quot;by far the best health care in the world.&quot; I lived in France for 12 years, and even though I was not a legal resident for six of those years, I got the best health care I ever had in my life. Maybe I couldn&#039;t afford the kind of great health care YOU can afford, Lisa Daha. But in France, I got the great health care people here only dream of. And cheap. Even at full price, when I was not a legal resident, everything there costs a quarter of what it costs here. 

Free first class care for everyone in France is a reality.  I guess you think I&#039;m living in a fantasy, eh? Um, no. I lived in France, and paid taxes that paid for my health care. It was so worth it. It was not more expensive than paying taxes and paying for private health insurance over here. It was actually cheaper in the long run. Plus, everyone else benefited from my taxes when I wasn&#039;t in medical need. In France I was my &quot;brother&#039;s keeper.&quot; Sound familiar? Call that socialist?]]></description>
		<content:encoded><![CDATA[<p>Oh, we&#8217;re not socialists? who do you go running to when things go wrong? Who just bailed out your sorry economy?</p>
<p>And no, we do NOT have &#8220;by far the best health care in the world.&#8221; I lived in France for 12 years, and even though I was not a legal resident for six of those years, I got the best health care I ever had in my life. Maybe I couldn&#8217;t afford the kind of great health care YOU can afford, Lisa Daha. But in France, I got the great health care people here only dream of. And cheap. Even at full price, when I was not a legal resident, everything there costs a quarter of what it costs here. </p>
<p>Free first class care for everyone in France is a reality.  I guess you think I&#8217;m living in a fantasy, eh? Um, no. I lived in France, and paid taxes that paid for my health care. It was so worth it. It was not more expensive than paying taxes and paying for private health insurance over here. It was actually cheaper in the long run. Plus, everyone else benefited from my taxes when I wasn&#8217;t in medical need. In France I was my &#8220;brother&#8217;s keeper.&#8221; Sound familiar? Call that socialist?</p>
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		<title>By: Nils Davis</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-23498</link>
		<dc:creator><![CDATA[Nils Davis]]></dc:creator>
		<pubDate>Mon, 10 Aug 2009 23:29:58 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-23498</guid>
		<description><![CDATA[Indeed - losing health insurance is the main reason I have not started my own company. My wife is an independent consultant, and if I wanted to go independent, we&#039;d be looking at about $2,000/month to replace our health insurance. $24k as the tax to start a small business is not tenable for me.]]></description>
		<content:encoded><![CDATA[<p>Indeed &#8211; losing health insurance is the main reason I have not started my own company. My wife is an independent consultant, and if I wanted to go independent, we&#8217;d be looking at about $2,000/month to replace our health insurance. $24k as the tax to start a small business is not tenable for me.</p>
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		<title>By: Don Thieman, M.D.</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-23095</link>
		<dc:creator><![CDATA[Don Thieman, M.D.]]></dc:creator>
		<pubDate>Sat, 08 Aug 2009 14:28:47 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-23095</guid>
		<description><![CDATA[Matt, your analysis is spot-on for insurors.  We must also add many health care providers--hospital systems and group practices that enjoy monopoly or oligopoly power in their local markets.  That is rampant, and because many, many defensive hospital and practice consolidations have happened in the 1990s onward, in response to managed care contracting by monopolistic insurors, we have a health care market where non-competition is more the rule than the exception.  Add government&#039;s inability (by its own laws bought and paid for by drugmaker lobbying) to negotiate with drugmakers on patented products, and you have our current state.  To call preservation of the status quo either &quot;competitive&quot; or a &quot;choice&quot; option for consumers is laughable.]]></description>
		<content:encoded><![CDATA[<p>Matt, your analysis is spot-on for insurors.  We must also add many health care providers&#8211;hospital systems and group practices that enjoy monopoly or oligopoly power in their local markets.  That is rampant, and because many, many defensive hospital and practice consolidations have happened in the 1990s onward, in response to managed care contracting by monopolistic insurors, we have a health care market where non-competition is more the rule than the exception.  Add government&#8217;s inability (by its own laws bought and paid for by drugmaker lobbying) to negotiate with drugmakers on patented products, and you have our current state.  To call preservation of the status quo either &#8220;competitive&#8221; or a &#8220;choice&#8221; option for consumers is laughable.</p>
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		<title>By: Matt</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-22914</link>
		<dc:creator><![CDATA[Matt]]></dc:creator>
		<pubDate>Fri, 07 Aug 2009 15:24:50 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-22914</guid>
		<description><![CDATA[Eyeball Kid,
In Lisa&#039;s defense, competition is an extremely important factor in innovation and productivity.  Toyota would not necessarily have the highest quality cars if it were the only provider.  Their goal of being the worlds biggest car manufacturer put them in competition with GM and Ford, and they chose to compete on the basis of quality.

In fact, the *lack* of competition in healthcare is a big issue.  In over 40 states, a single health insurance company has over 40% of the market.  As a result, they do not have to compete anymore, and can basically set their own rules.  

Capitalism is extremely (ruthlessly?) efficient, and will favor the best use of capital.  This benefits us enormously by driving innovation and productivity.  The perversion of capitalism happens in two forms:
1. Winner take all - When the winner of the competition achieves market dominance, the self-correction of the market fails.  They can starve the competition and destroy the dynamic.
2. Perverse incentives - Capitalism cares about profits, which means spending the least for the greatest revenue.  This drives productivity, but often by compromising other objectives.  In areas like education, justice, and health, there are drivers which are not strictly profits, including the concept of universality.  These tend to be compromised.

We live in a capitalist country, and competition is our main function.  In order to avoid the perversions of competition, however, we have to manage these two factors.  We cannot allow market dominance that removes capitalism, as it simply substitutes the inefficiency of one bureaucracy, government, with the inefficiency of a large corporation.  We also must enforce basic guidelines, like universal, equal access to health, education, and justice, so that competition occurs on a playing field that does not destroy the basic goals of our society.

If we manage these outcomes, we can let the capitalist system find the right way to deploy capital, and it will succeed.]]></description>
		<content:encoded><![CDATA[<p>Eyeball Kid,<br />
In Lisa&#8217;s defense, competition is an extremely important factor in innovation and productivity.  Toyota would not necessarily have the highest quality cars if it were the only provider.  Their goal of being the worlds biggest car manufacturer put them in competition with GM and Ford, and they chose to compete on the basis of quality.</p>
<p>In fact, the *lack* of competition in healthcare is a big issue.  In over 40 states, a single health insurance company has over 40% of the market.  As a result, they do not have to compete anymore, and can basically set their own rules.  </p>
<p>Capitalism is extremely (ruthlessly?) efficient, and will favor the best use of capital.  This benefits us enormously by driving innovation and productivity.  The perversion of capitalism happens in two forms:<br />
1. Winner take all &#8211; When the winner of the competition achieves market dominance, the self-correction of the market fails.  They can starve the competition and destroy the dynamic.<br />
2. Perverse incentives &#8211; Capitalism cares about profits, which means spending the least for the greatest revenue.  This drives productivity, but often by compromising other objectives.  In areas like education, justice, and health, there are drivers which are not strictly profits, including the concept of universality.  These tend to be compromised.</p>
<p>We live in a capitalist country, and competition is our main function.  In order to avoid the perversions of competition, however, we have to manage these two factors.  We cannot allow market dominance that removes capitalism, as it simply substitutes the inefficiency of one bureaucracy, government, with the inefficiency of a large corporation.  We also must enforce basic guidelines, like universal, equal access to health, education, and justice, so that competition occurs on a playing field that does not destroy the basic goals of our society.</p>
<p>If we manage these outcomes, we can let the capitalist system find the right way to deploy capital, and it will succeed.</p>
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		<title>By: Donald Thieman</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-22896</link>
		<dc:creator><![CDATA[Donald Thieman]]></dc:creator>
		<pubDate>Fri, 07 Aug 2009 13:10:01 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-22896</guid>
		<description><![CDATA[In general, premiums are refunded when the policy is rescinded--much cheaper for the insuror than paying the claims, of course.]]></description>
		<content:encoded><![CDATA[<p>In general, premiums are refunded when the policy is rescinded&#8211;much cheaper for the insuror than paying the claims, of course.</p>
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		<title>By: Silke</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-22887</link>
		<dc:creator><![CDATA[Silke]]></dc:creator>
		<pubDate>Fri, 07 Aug 2009 10:43:37 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-22887</guid>
		<description><![CDATA[Hi Sui
these hospital infection causing bacteria are to the best of my knowledge a problem for even the most hygienic and best run hospitals in Germany and worldwide. If I remember correctly they are the ones that survived antibiotics in common use and superdetergents. Therefore some think that now the race is on: 

who will win antibiotics and/or detergents or bacteria and will mankind be smart enough to come up with something new before the bacteria can triumph (at least for a while)

by the way I consider the answer to that question a lot more decisive than the latest cancer drug. No matter how wonderful such a drug may be for the individual sufferer whether it exists or not does not make a huge difference for health care world wide.

so no reason to malign America for having the same problem as every other advanced hygienic medical treatment outfit.

last time I was in hospital for a small job there was advice for patients posted everywhere on how to help the personnel to keep the threat in check.]]></description>
		<content:encoded><![CDATA[<p>Hi Sui<br />
these hospital infection causing bacteria are to the best of my knowledge a problem for even the most hygienic and best run hospitals in Germany and worldwide. If I remember correctly they are the ones that survived antibiotics in common use and superdetergents. Therefore some think that now the race is on: </p>
<p>who will win antibiotics and/or detergents or bacteria and will mankind be smart enough to come up with something new before the bacteria can triumph (at least for a while)</p>
<p>by the way I consider the answer to that question a lot more decisive than the latest cancer drug. No matter how wonderful such a drug may be for the individual sufferer whether it exists or not does not make a huge difference for health care world wide.</p>
<p>so no reason to malign America for having the same problem as every other advanced hygienic medical treatment outfit.</p>
<p>last time I was in hospital for a small job there was advice for patients posted everywhere on how to help the personnel to keep the threat in check.</p>
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		<title>By: Sui Generis</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-22885</link>
		<dc:creator><![CDATA[Sui Generis]]></dc:creator>
		<pubDate>Fri, 07 Aug 2009 10:19:15 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-22885</guid>
		<description><![CDATA[PSLA, you are ignorant but wordy. Many Americns, even with insurance have long waits for care and clinics that are in ghastly shape. Moreover more than 100,000 Americans die each year from PREVENTABLE medical error while IN Americans hospitals. (IOM, 2000 and also recently.)
 
American hospitals are hotbeds for really nasty bacteria so it is not uncommon for patients to get something really bad, and oft times deadly from being IN the hospital. 

Guess what, some Americans already have government funded health care and they are pretty happy with it. No one has ever turned it down. They get to choose their own doctors, have no pre-existing exclusions, and the premiums are moderate.

Have you ever heard of Medicare? I sure hope you keep true to your principles and turn it down. Oh, and Social Security, too. That&#039;s another one of those gov&#039;mint programs.

By the way, the reason that Medicare is in as much trouble today is because Republicans keep dumping other groups and benefits in without providing funding. Nixon added the disabled; in the 80s they added kidney disease sufferers, the the Bush Republicans gave the farm to insurance corps and pharmaceutical corporations, all with out adding any funding.

I guess the Republicans love a public plan, Medicare when they want to increase its coverage, but when the Democrats have a plan, they scream like banshees and cluck like chickens.]]></description>
		<content:encoded><![CDATA[<p>PSLA, you are ignorant but wordy. Many Americns, even with insurance have long waits for care and clinics that are in ghastly shape. Moreover more than 100,000 Americans die each year from PREVENTABLE medical error while IN Americans hospitals. (IOM, 2000 and also recently.)</p>
<p>American hospitals are hotbeds for really nasty bacteria so it is not uncommon for patients to get something really bad, and oft times deadly from being IN the hospital. </p>
<p>Guess what, some Americans already have government funded health care and they are pretty happy with it. No one has ever turned it down. They get to choose their own doctors, have no pre-existing exclusions, and the premiums are moderate.</p>
<p>Have you ever heard of Medicare? I sure hope you keep true to your principles and turn it down. Oh, and Social Security, too. That&#8217;s another one of those gov&#8217;mint programs.</p>
<p>By the way, the reason that Medicare is in as much trouble today is because Republicans keep dumping other groups and benefits in without providing funding. Nixon added the disabled; in the 80s they added kidney disease sufferers, the the Bush Republicans gave the farm to insurance corps and pharmaceutical corporations, all with out adding any funding.</p>
<p>I guess the Republicans love a public plan, Medicare when they want to increase its coverage, but when the Democrats have a plan, they scream like banshees and cluck like chickens.</p>
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		<title>By: Dank</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-22883</link>
		<dc:creator><![CDATA[Dank]]></dc:creator>
		<pubDate>Fri, 07 Aug 2009 09:22:30 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-22883</guid>
		<description><![CDATA[Investment houses are entertainment houses.
Surprisingly this IS news to people.]]></description>
		<content:encoded><![CDATA[<p>Investment houses are entertainment houses.<br />
Surprisingly this IS news to people.</p>
]]></content:encoded>
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		<title>By: Opie</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-22862</link>
		<dc:creator><![CDATA[Opie]]></dc:creator>
		<pubDate>Fri, 07 Aug 2009 04:14:00 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-22862</guid>
		<description><![CDATA[What&#039;s the scoop on return of premium in the proverbial rescinded-policy case?]]></description>
		<content:encoded><![CDATA[<p>What&#8217;s the scoop on return of premium in the proverbial rescinded-policy case?</p>
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		<title>By: Matt</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-22468</link>
		<dc:creator><![CDATA[Matt]]></dc:creator>
		<pubDate>Tue, 04 Aug 2009 21:28:48 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-22468</guid>
		<description><![CDATA[They do.  Every other year in November.]]></description>
		<content:encoded><![CDATA[<p>They do.  Every other year in November.</p>
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		<title>By: Matt</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-22464</link>
		<dc:creator><![CDATA[Matt]]></dc:creator>
		<pubDate>Tue, 04 Aug 2009 20:26:26 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-22464</guid>
		<description><![CDATA[Paul,
I thought that malpractice costs was an issue so I voted to cap them when it came up in California as a ballot issue.  We now have caps on awards and it has done nada to reduce the cost of health insurance.  The only thing that benefits California these days is a marginally more healthy population in general.  But torts weren&#039;t the problem.

There is a gut question you have to ask when you argue the side you are taking.  Do you think health care is something that everyone should have (like clean water) or something that you earn (like a car)?

Healthcare insurance these days costs about $12-20k for a family per year (estimated to rise to $24k by 2020).  You can get cheaper monthly with huge deductibles, but the costs are still there, just paid differently.

The median income in the US is around $50k (2007 census bureau).  After taxes that is around $40k+.  That makes health care around 25-50% of net income.  This is more than housing.  At minimum wage, it is 100% of income.  So do those people get sick and die?  Get maimed?  It is really an ethical question as much as an economic one.

Regardless of public or private delivery, an enormous percentage of Americans simply cannot pay for the health care they need to live.  I am not talking about extreme cases like cancer or accidents, I am talking about their share of the risk pool.

So the question is really simple and painful.  Do we, as a civilization, &quot;socialize&quot; costs and have the wealthier folks pay for the poorer, or do we simply abandon them?  Is health care a right or a privilege?]]></description>
		<content:encoded><![CDATA[<p>Paul,<br />
I thought that malpractice costs was an issue so I voted to cap them when it came up in California as a ballot issue.  We now have caps on awards and it has done nada to reduce the cost of health insurance.  The only thing that benefits California these days is a marginally more healthy population in general.  But torts weren&#8217;t the problem.</p>
<p>There is a gut question you have to ask when you argue the side you are taking.  Do you think health care is something that everyone should have (like clean water) or something that you earn (like a car)?</p>
<p>Healthcare insurance these days costs about $12-20k for a family per year (estimated to rise to $24k by 2020).  You can get cheaper monthly with huge deductibles, but the costs are still there, just paid differently.</p>
<p>The median income in the US is around $50k (2007 census bureau).  After taxes that is around $40k+.  That makes health care around 25-50% of net income.  This is more than housing.  At minimum wage, it is 100% of income.  So do those people get sick and die?  Get maimed?  It is really an ethical question as much as an economic one.</p>
<p>Regardless of public or private delivery, an enormous percentage of Americans simply cannot pay for the health care they need to live.  I am not talking about extreme cases like cancer or accidents, I am talking about their share of the risk pool.</p>
<p>So the question is really simple and painful.  Do we, as a civilization, &#8220;socialize&#8221; costs and have the wealthier folks pay for the poorer, or do we simply abandon them?  Is health care a right or a privilege?</p>
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		<title>By: Chiropractor Brisbane</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-22299</link>
		<dc:creator><![CDATA[Chiropractor Brisbane]]></dc:creator>
		<pubDate>Mon, 03 Aug 2009 11:14:50 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-22299</guid>
		<description><![CDATA[Very informative post, thanks for sharing! I have bookmarked this post. :)]]></description>
		<content:encoded><![CDATA[<p>Very informative post, thanks for sharing! I have bookmarked this post. :)</p>
]]></content:encoded>
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		<title>By: Silke</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-22131</link>
		<dc:creator><![CDATA[Silke]]></dc:creator>
		<pubDate>Sun, 02 Aug 2009 08:37:56 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-22131</guid>
		<description><![CDATA[Tippy 
the company which fought to rehabilitate chamomile was part of Big Pharma ... no smallish alternative outfit could have sustained the patent part of the fight and that probably applies to the double blind testing parts of the process as well

the patent lawyer even claimed that his fight changed a fundamental part of patent law  allowing for the first time naturally grown stuff to be patented (forgive me I am a bureaucrat) --- thereby rehabilitating chamomile but opening the door for patented crop seeds so farmers are not allowed to harvest their own seeds anymore?]]></description>
		<content:encoded><![CDATA[<p>Tippy<br />
the company which fought to rehabilitate chamomile was part of Big Pharma &#8230; no smallish alternative outfit could have sustained the patent part of the fight and that probably applies to the double blind testing parts of the process as well</p>
<p>the patent lawyer even claimed that his fight changed a fundamental part of patent law  allowing for the first time naturally grown stuff to be patented (forgive me I am a bureaucrat) &#8212; thereby rehabilitating chamomile but opening the door for patented crop seeds so farmers are not allowed to harvest their own seeds anymore?</p>
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		<title>By: Tippy Golden</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-22100</link>
		<dc:creator><![CDATA[Tippy Golden]]></dc:creator>
		<pubDate>Sun, 02 Aug 2009 03:42:58 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-22100</guid>
		<description><![CDATA[Silke, you wrote: &quot;what baffles me about these things is why can they not do the verifying and approving without all that maligning interlude?

It might have to do with Big Pharma. They might want to discredit traditional remedies as quackery, or else control the market when such remedies are approved.

Silke, would you take a  look at the video link I left in my comment at the post titled: The Value of (Not Having) a Public Plan ... I&#039;d be interested in what you have to say about the story told in the video]]></description>
		<content:encoded><![CDATA[<p>Silke, you wrote: &#8220;what baffles me about these things is why can they not do the verifying and approving without all that maligning interlude?</p>
<p>It might have to do with Big Pharma. They might want to discredit traditional remedies as quackery, or else control the market when such remedies are approved.</p>
<p>Silke, would you take a  look at the video link I left in my comment at the post titled: The Value of (Not Having) a Public Plan &#8230; I&#8217;d be interested in what you have to say about the story told in the video</p>
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		<title>By: Silke</title>
		<link>http://baselinescenario.com/2009/07/27/health-insurance-innovation/#comment-22071</link>
		<dc:creator><![CDATA[Silke]]></dc:creator>
		<pubDate>Sat, 01 Aug 2009 23:32:04 +0000</pubDate>
		<guid isPermaLink="false">http://baselinescenario.com/?p=4483#comment-22071</guid>
		<description><![CDATA[Tippy
&quot; mint and chamomile may be just as effective.&quot;
but the fine point of the mint and chamomile saga is that they were long denounced as ineffective &quot;house cures - Hausmittelchen - please note the diminuitive&quot; and even dangerous to believe in like for example magic magnetism or so. 
However, there was a company who didn&#039;t want to give up on making money on its chamomile solutions and so they went into a long and arduous fight for a patent (the lawyer was one of the people I worked for) all the while proving via double blind and all that stuff what folk lore had known all along that chamomile or rather bisaphenol actually was effective (it disinfects and dries up wounds if I remember correctly)
as to mint I have recently learnt form my pharmacist that mint is now an APPROVED and INDISPENSABLE ingredient against heart burn  because it relaxes the stomach (whatever that means - unfortunately I am allergic to the stuff and so stick with the good old Natron which currently is supposed to kill you prematurely because it is basically salt)

what baffles me about these things is why can they not do the verifying and approving without all that maligning interlude?]]></description>
		<content:encoded><![CDATA[<p>Tippy<br />
&#8221; mint and chamomile may be just as effective.&#8221;<br />
but the fine point of the mint and chamomile saga is that they were long denounced as ineffective &#8220;house cures &#8211; Hausmittelchen &#8211; please note the diminuitive&#8221; and even dangerous to believe in like for example magic magnetism or so.<br />
However, there was a company who didn&#8217;t want to give up on making money on its chamomile solutions and so they went into a long and arduous fight for a patent (the lawyer was one of the people I worked for) all the while proving via double blind and all that stuff what folk lore had known all along that chamomile or rather bisaphenol actually was effective (it disinfects and dries up wounds if I remember correctly)<br />
as to mint I have recently learnt form my pharmacist that mint is now an APPROVED and INDISPENSABLE ingredient against heart burn  because it relaxes the stomach (whatever that means &#8211; unfortunately I am allergic to the stuff and so stick with the good old Natron which currently is supposed to kill you prematurely because it is basically salt)</p>
<p>what baffles me about these things is why can they not do the verifying and approving without all that maligning interlude?</p>
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