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I work with computers http://xxxnx.fun xxlx Ideas with merit, to be sure. But making private LTC insurance into a mass-market product is a tall order, given its track record as a small niche product. Data from industry research firm LIMRA suggest policies have been sold only to less than 5.0 percent of potential older buyers. Expanding that market is no less a challenge, really, than convincing a divided Washington to support Medicare expansion.