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P&I clubs face up to the Micawber dilemma

International Group affiliates last year shelled out six dollars for every five dollars they took in. As Dickens’ aficionados will realise, marine mutuals need to aim for happiness rather than misery

The entire club ethos is to do the best they can by their members. If they turn around to shipowners and say they need more money, chances are they really do need more money

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