hii i wonder if people when doing the study have considered the average net salary of a china man! and being in the communist sector and the pay being less the insurance paid for seems '' catastrophic'' as suggested. as in many research papers ,i feel that it is just a trick with numbers used'' cheaply'' to trick consumers to believing in a concept. i am a working doctor in a hospital in uk, department os psychiatry, and can appreciate the bias in writing this..myself ; but i would like to draw attention to the facts considered in the right way rather than make believe sake. thank you. santosh