This is obviously a well funded research association with statistics that can’t be easily dismissed so how do these figures compare with previous years?  I’ll be there is quite a difference.  In these turbulent times it is well known that when the going gets tough, polices get cancelled.  At the same time it is also worth knowing that these policies were cancelled in a very stressful time.  People could literally not afford to make payments each month and had to save money wherever they could.  To make matters worse there are some in the medical industry that will say that stress brings on illness and causes death which is precisely the time that these policies are needed.  Talk about the worst of both worlds.