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Welcome to July, the month of baseball, hot dogs, picnics and our annual celebration of freedom, the Fourth of July. 

One of the great things about freedom is that “free” can go two ways: freedom “to” do something, and freedom “from” something. This month it is the latter of which I sing. May I share with you one small insurance-related item of which I wish to be free? 

Freedom from ever again seeing or having to discuss the term “noncontributory.” 

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