Point 7. If you wish, and you can afford Private Healthcare, you may opt out of the NHS, in return for a reduced National Insurance contribution. Reduces unnecessary burden on the service, and offers an incentive to seek private healthcare. Win/Win.

Slight ammendment to the education one.....If your degree is of immediate use to the Public Sector, then you have the *option* of having the state pay your way. Allow for a minimum grade (2:1 or better, 3rds show you're not working hard enough) and if you hit that, the state waives your fees, settles a fixed amount of your student debt, in return for a minimum term of service in the public sector. If you wish only to work in the Private Sector once you qualify, then you can pay for your own education, regardless of whether you wind up working for the state.