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In the small group and individual insurance market , one-fourth to one-third of every premium dollar is spent on administrative costs , including premium taxes , commissions , compliance costs , etc. Large , self-funded employers are exempt from many of these costs and can reduce them to as little as 10 or even 5 percent . Even so , and assuming they do , we are not disposed to regard them as controlling precedents where the rules , stated in Haynes v. Haynes , supra , and our other cited decisions , have application . The Goldman quotations are readily available and had they appeared in the project 's literature in a setting that did not mark them as political , no concerns would have been raised . On multiple foreign policy fronts , the Democrats have all jumped on the ' process ' bandwagon - more negotiations , more UN , more coalitions , more agreements - rather than setting objectives and asking who actually agrees with those objectives and will help us accomplish them , and how negotiations will actually get us anywhere or how agreements could ever be verified or enforced . Description : Currently , information retrieval resources are scattered about various web sites making it difficult for researchers to efficiently access them . All that we need assume is that the liberation of affect and the conceptual content do not constitute the indissoluble organic unity as which we are wont to regard them , but that the two parts may be welded together , so that analysis will separate them . There is a free website that allows you to post your bookmarks online so that you can access them from anywhere with an Internet connection .