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. Raffles returned to Singapore in 1822 Although Farquhar had successfully led the settlement through its difficult early years Raffles was critical of many of the decisions he had made For instance in order to generate much-needed revenue for the government Farquhar had resorted to selling licenses for gambling and the sale of opium which Raffles saw as social evils Raffles was also appalled by the slave trade tolerated by Farquhar. Raffles arranged for the dismissal of Farquhar who was replaced by John Crawfurd Raffles took over the administration himself and set about drafting a set of new policies for the settlement, 4 See also According to global consulting firm Towers Watson Singapore has "one of the most successful healthcare systems in the world in terms of both efficiency in financing and the results achieved in community health outcomes". This has been attributed to a combination of a strong reliance on medical savings accounts cost sharing and government regulation the government regularly adjusts policies to actively regulate "the supply and prices of healthcare services in the country" in an attempt to keep costs in check However for the most part the government does not directly regulate the costs of private medical care These costs are largely subject to market forces and vary enormously within the private sector depending on the medical specialty and service provided. However Towers Watson has claimed that the specific features of the Singapore healthcare system are unique and have been described as a "very difficult system to replicate in many other countries." Many Singaporeans also have supplemental private health insurance (often provided by employers) for services not covered by the government's programmes, Currency futures contracts are contracts specifying a standard volume of a particular currency to be exchanged on a specific settlement date Thus the currency futures contracts are similar to forward contracts in terms of their obligation but differ from forward contracts in the way they are traded In addition Futures are daily settled removing credit risk that exist in Forwards. They are commonly used by MNCs to hedge their currency positions In addition they are traded by speculators who hope to capitalize on their expectations of exchange rate movements. .

. South African rand In the 1974 election Pekemas attempted to contest eventually winning almost 40% of the vote However it failed to win any Parliamentary or State Assembly seats with USNO holding onto the state government.