It goes on to say that although the precise mechanism by which the food came to be contaminated cannot be established, "the outbreak revealed a failure of routine hazard control systems within the kitchen".

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The fundamental flaws in John Tudor and Sons' hazard analysis critical control point (HACCP) plan, which delivers food safety, were also missed, he said.

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Through its regulation of the private investment firms among which personal account investors can choose, the government can limit and control the risks workers can take on with their personal accounts, preventing moral hazard from the guarantee.

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