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.mr mcgurgan found that one nurse had added to her original account of what had happened on the ward on the morning of july 16, 2016 to state that "the cot sides were up". . and informal settlements. "this is far from the best start in life". .
he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. .
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