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"I'm not advocating buying a new car when you graduate (especially if you have student loans to pay off, or you're having a rough time catching on in today's job market), but if you do want to give yourself a graduation treat you should be aware that most of the major car makers offer some pretty superb cool graduate rebate programs on new vehicles. "

Health insurance consumers may have seen Medical Loss Ratio letters in the mail or perhaps even received a rebate check. But what is this medical loss ratio? Read on to find out.