And it was back in the mid-1980s and as I point out in a piece that was when we are spending about eight percent of our gross domestic product on health care. And even then we had the impression that so much of the excessive aggressive medical treatment that took place at the end of life was not only unnecessary but it was cruel.

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I fear that the rising personal bankruptcies and repossessions are the first signs of bigger problems to come and personal debt - Gordon Brown's legacy to millions of Britain's families - will hang like a millstone around the neck of the British people for years to come.