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That first point is silly, it was changed from "exchange" to "marketplace" because there is no word for exchange in Spanish ( "cuidadodesalud.gov" would look stupid if there was spanglish everywhere.) What a nit-pick point to make...

As far as the broker comment, I'm going to keep my mouth shut, you all already know how I feel about the treatment of brokers in this new regime.
 
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