It's easy to curse Big Oil every time you stop at the pump. Or George Bush. Or the Saudis. I know I can't fill up my Jeep without getting a little bit angry.

But how fair is that? I mean, honestly, is anything ever that simple?

When employees hear about the new year's premium increase or higher co-pay, who do they blame? The "greedy" carriers? The "cheapskate" employer? Those "blood-sucking" trial lawyers?

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