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    People are forming clubs and pooling their financial knowledge with the hope of getting a bigger bounce for their bucks. Head of the class Anna Piekarski When the technology market collapsed in 2001, Ram Balakrishnan watched his unrealized options become worthless.
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    He wants consumers to have more choices and not be as directly tied to employer-provided insurance. To accomplish that, he would do two things: Employees who continue to get their health insurance from employers would pay income tax (but not Social ...
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