Health of Nations: Germany
It's been a long day, I desperately need some coffee, and it's really hot in my room. So you wouldn't believe how excited I am to dive into yet another country's health care structure. Let's just say I love you all very, very much. For those who've missed the previous three days of health wonkery, check out France, England and Canada. Today is Germany which, fun fact, Clinton Care was based off of.
Da Basics: Germany was the first nation to enact mandatory health insurance, doing so way back in 1883. The system is funded through employer contributions, with half the money coming from your paycheck and half coming from your employer. Participating Germans -- about 90% of the country -- are enrolled in "sickness funds", some of which are organized by geographical region, some of which are organized by trade, and some of which are organized by company. The funds are a mix between private and public entities and are all nonprofit. They can't discriminate, and can't charge customers at different rates corresponding to their health/age/lifestyle. That means no cherry-picking.
Various sickness funds have different contribution levels (so some will deduct 7% of your paycheck, others 8%), but all are required to cover a broad range of benefits (including prescription drugs) and demand only a modest copay. These funds, which are conducted through your employer, remain with you even after you lose or retire from a job. So if you're fired, your employer will still have to make contributions for you, but the government will take up your end of the bargain. Same deal if you retire, though in that case the sickness fund covers a bit less of your expenses and your retirement pension makes up the gap. The funds are administered by a board that's half company representatives and half worker representatives.
Insurance is mandatory for all Germans with incomes under $40,000. Those above can opt out, but few do. All told, about 8% of the country opts out of the sickness funds, and most of them are very wealthy. Private insurers pay doctors at much higher rates, and thus the folks they insure get preferential treatment. This way, the rich can pay for better service, unlike in Canada where the only way to attain kingly treatment is paying out of pocket in America. 2% of the country are covered through the armed forces or policy, and .2% of the country -- mostly the superrich -- have no insurance at all.
The financing method is pretty regressive. The sickness funds can vary the percentage of your paycheck they deduct under the rationale that those with larger earnings need a smaller percentage to cover expenses. So the idea is not to have the rich covering the poor, but for everyone to be covered. Eventually, however, this got out of hand and a slight reform was made: Because various sickness funds draw from differing slices of the population, some were requiring quite small percentages to run the fund, as they had healthier, richer enrollees, while others needed quite a chunk because they covered poorer, sicker demographics. So in 1994, Germany created a program that forced sickness funds with richer, healthier members to contribute a portion of their payroll revenues to a national pool, which then distributes it to the poorer funds. That means the financing is still regressive, but less so.
Germany's not traditionally been a gatekeeper system, but that's changing. Nowadays, 55% of their doctors are generalists, compared with 35% of American physicians. Non-hospital (ambulatory) physicians are required to join their regional associations, which pay them from a global fund. If the physicians bill beyond what they're budgeted for, fees are reduced in proportion to the excess spending the next quarter. This seems to present a problem, in that some physicians could over-prescribe and force others to under-prescribe, as no particular physician would know what his colleagues were doing and thus be able to judge what he could do. Whether the associations have a way of evaluating physicians individually I don't know. Otherwise, the system seems flawed as doctors lack necessary cost information.
Cost Control: The 1977 German Cost Containment Act created a body called "Concerted Action", comprised of representatives from the nation's health providers, sickness funds, employers, unions, and various levels of government. CA meets twice a year to set guidelines for hospital fees, physicians rates and so forth. Since 1986, physician's fees have been capped. As a result, their health spending actually feel a bit between 1986 and 1991. But in 1991, costs resumed their march upwards, so the German government tried to make the Sickness Funds more competitive by allowing greater flexibility in choosing them. This heightened the inequality, forcing the aforementioned law transferring wealth from healthy, rich sickness funds to worse off ones. As of 2001, Germany's health spending was at 10.7% of GDP, third highest in the world. America, for comparison, is #1.
How Do We Stack Up? Due to some concerns over the viability of GDP spending and OECD rankings, I'm going to be changing some of the metrics I use here. Per capita, Germany spends $2,817 on health care for its citizens. America spends $5,267 (which in unbelievably high, by the way -- you should really check out how nuts that is, a point well-made by this Excel file comparison). According to the WHO, Germany's health care system is #6 in fairness of financial burden, #14 in overall goal attainment, and #14 in terms of overall performance. America's system is 54th in fairness(!), 15th in goal attainment, and 37th in overall performance.
Sources: Thomas Bodenheimer's Understanding Health Policy, WHO data,
Feeds: 


COMMENTS (113)
You are doing a great public service here, Ezra. I've printed all of your entries to share with my friends of various health care opinions, they are gems. I'm kind of sorry to know that this little series is coming to an end.
Again, this is a very valuable thing you are doing, although I am afraid you have mis-timed your Koufax potential. Also, the links are superb.
Keep up the good work.
Posted by: abjectfunk | April 21, 2005 8:31 PM
In case you're interested, I've made a graph out of the numbers in that excel sheet. You can check it out here.
Posted by: greg | April 21, 2005 9:17 PM
Yeah, this does not seem like a good model. Especially since the employer has to keep paying if you're unemployed. I think that might discourage companies from hiring.
It would be wonderful, if when you're all done, you could create a separate archive category just for this series.
Posted by: Abby | April 21, 2005 9:58 PM
I too am grateful. What a clever way to get linked to from everywhere, too! That sounds cynical, and I don't mean it to be -- industriousness and initiative should be rewarded.
I'm still hoping you'll tell us what the effect is of the artificial doctor shortage in the U.S. as compared to other nations.
Posted by: Allen K. | April 21, 2005 10:07 PM
Of historical note, the German system was started because only about 1 in 10 German workers was healthy enough to be drafted into the German army and the Kaisar and Prime Minister Bismarck rather wanted an army for a few projects.
This was a matter of national security, as well as luring liberals to support Bismarck.
Posted by: Bryan | April 21, 2005 10:23 PM
1883? that was the year marx died, wasnt it?
so it should be called the karl marx memorial (communist) healthcare system.
so all those righteous republicans in congress were right to thwart this communist usurpation of our precious bodily fluids(literally!!)
vast left wing conspiracy indeed!!
Posted by: almostinfamous | April 21, 2005 11:48 PM
thank you for the wonderfully informative tour of various health care systems. i am learning a great deal from this series...you put so much time and effort into learning and sharing.
you are a wonderful teacher and an amazing human being.
Posted by: jacqueline | April 22, 2005 12:51 AM
(I´ve reading your blog for quiet some time now, but I never thought about posting comments *shrugs* here goes nothin...)
The german health care system has been diagnosed as ill for like ten years now. Some Quarters, it´s better, some quarters, it´s so bad that the doctors go on strike for better distribution of the mentioned "Krankenkassengelder".
Of course, every once in a while there´s a public uproar when another hospital gets investigated for fraud with the payers money.
(it works like this: the doctor invents treatments he never performed and charges them to a existing patient. The patient never gets to know what the doctor charges the sickness fund and the "Krankenkasse" pays because they can´t verify the real cost of treatment. Usually these doctors get too greedy and the Krankenkasse sends in their auditors.
Nobody knows how much of the money we all get deducted from our paychecks disappears into the coffers of those doctors. Actually, it´s just an intelligence problem: the system as it is now is not very secure against fraud from within. As long as Germany was financially better off, no one cared about the irregularities.
I still believe it´s a good idea: everyone who can´t afford preferential treatment is safe in the "gesetzliche Krankenkassen". Those who can afford it can choose to spend a premium in a "Privatversicherung". And nobody has to sell his kids into slavery because his parents got into a car accident.
Posted by: apunkt | April 22, 2005 3:12 AM
I am a Canadian studying in Germany. (I am paying far less for University in Germany (as a foreign student) than I was paying as a Canadian citizen in Canada)
Anyways, I'm going off topic here. I find the system here to be MUCH more effective than what I encountered in Canada. Meeting with the neurologist in Canada required me to wait 3 months, which I found completely unacceptable. Here in Germany, I got an appointment with a Neurologist within 2 weeks, and that was with the public insurance, not the more expensive private insurance. It is easier, by orders of magnitude, to see a specialist here.
Also, when I was visiting Germany, I had to pay $85 to have FULL travel coverage for 3 months. Recently, I applied for FULL travel coverage from Germany, and I recieved worldwide travel coverage for a period of one year, at a price of 11 Euros!
Dental care is also much better here, and one does not have to spend a fortune here to keep your teeth healthy. One does not have to pay riduculous fees such as ambulance fees.
These and other things simply make me think, regardless of any charts or numbers, that the care I recieve here is much better than the care I recieved in Canada.
Posted by: Jason | April 22, 2005 6:49 AM
Oh yeah, and also, what you mentioned in your article on NHS also occurs in Canada. When we moved, and had to change our family physician, we were told by several of the nearest Clinics that they were no longer accepting patients. Not exactly what one expects from a "world-class" Healthcare system.
Posted by: Jason | April 22, 2005 6:59 AM
I would be curious to know what effect the reunification with East Germany had on the overall system (I am assuming that East Germans had a different system in place while under communist control; if not, I'd be curious how their system compared to the other satellite states). (Which also raises tantalizing questions about what healthcare was like in Berlin before the wall came down.) I would think reunification has had yet more adverse effect on health care costs overall, but that's just a guess. I would speculate as well that (West) Germany's postwar wealth boom helped mask the rising costs for a long time and that the realization of higher costs and disparities across the "sickness funds" (and you know, at the very least, we'd have to call them "wellness funds") is a recent development. This thumbnail has, I think, been the most provacative - at least to me - so far, since it seems like something we could lurch towards, though it's probably not a great answer to our issues.
Posted by: weboy | April 22, 2005 9:26 AM
Did you mean "done" as in this is the last country...? What about China or Japan or Malaysia or India...anything other than Europe...?
Posted by: Russ | April 22, 2005 11:04 AM
What happened in Norway? Their health care costs appear to have risen 25% in the last two years!
Posted by: curt | April 22, 2005 11:42 AM
You see the comments, Ezra, looks like this might need to be more than a week long thing! Every country of the world: go!
Posted by: kate | April 22, 2005 3:56 PM
Ezra, thanks so much for your hard work on this series. Especially since I know that yesterday the sun was shining so bright it made UCLA sparkle, and everywhere beautiful people were sitting on every available square foot of grass "studying" and everything in nature was saying to you, "Don't write about German health care! Come outside and have fun!" and to me, "Don't go into your Wills and Trust classroom that doesn't even have any windows! Flunk out of law school and have fun outside!" So, thanks.
Posted by: jengould | April 22, 2005 4:20 PM
Hi,
I live and work in Germany (and have been here for the last 14 years) - a couple of comments on things that I think are incorrect/misleading in the article. (Though I think it does give a very good overview of the German health system).
> These funds, which are conducted through your employer, remain with you even after you
> lose or retire from a job. So if you're fired, your employer will still have to make
> contributions for you, but the government will take up your end of the bargain.
Actually, the government (i.e. unemployment insurance) pays both the employer's and the employee's side if you are unemployed.
> Insurance is mandatory for all Germans with incomes under $40,000. Those above can opt
> out, but few do. All told, about 8% of the country opts out of the sickness funds, and most
> of them are very wealthy.
Probably a larger group than the very wealthy are all civil servants. For historical reasons, even civil servants earning under the mandatory income level have private insurance.
> .2% of the country -- mostly the superrich -- have no insurance at all.
Since it is not normally permitted to move back to the public (Krankenkasse / sickness fund) system, after having moved to the private system, there is a group of people who have no insurance because they cannot afford private and can no longer use the public system. I'm not sure how big this group actually is, though I have seen different figures of between 200.000 and 300.000 people in various newspaper articles. This would be between .25% to .375% of the population (80 million). The main group of people affected is unsuccessful self-employed persons, not the super-wealthy.
Posted by: ray | April 24, 2005 9:41 AM
Your article comparing healthcare in Germany, Canada and the US was interesting and informative. I've been doing a report on German healthcare and I've been checking so many sites that I'm getting dizzy. I have to include information about what the education requirements are to be a physician in Germany.And what type of healthcare is available to children in Germany. Could you give me an idea where I might find this type of information on the internet?
Thanks very much,
Shari from RI
Posted by: Shari | December 17, 2005 2:14 AM
Dear Sir/Madam,
I am delighted to contact you on a private note, my name is Dr. Moses A. Jones Director of Telex Department Central Bank of Nigeria, National head quarter Abuja, two years ago, some executive officers in the federal ministry of petroleum resource (FMPR) approached me that they want to present some one (a foreigner) as the beneficiary of a fund (money) resulting from an over invoice contract which was awarded to a foreign firm.
So after the negotiation, we unanimously agreed that they (the officers) would give me the sum of USD500, 000.00 (cash) and on my acceptance to assist them transfer the fund as soon as I made some level of fruitful effort on the business and demanded my money (USD500, 000.00) as agreed, they deviated from our initial agreement and decided to go through the chief accountant at (CBN at my back).
Hence, I decided to deviate the fund to Holland offshore paying center of central bank of Nigeria and as I am writing to you the fund is there. So I need an honest person who will stand as the beneficiary of the fund in question as it is floating in central bank record with anybody to claim it.
Note, the amount which is in central bank record is (USD15, 500.000.00) so upon the receipt of this mail if you will give me assurance that you will not link the transaction and you will keep it private and confidential within your self and I assured you that I will arrange to get all the covering documents and send to you so that you will go to Holland and claim the fund which we will share within us 50% for you and 50% for me.
Take note of the following assurance from you first before we proceed: -
1. You have to assure me that you are going to keep my dealings with you secret because of my position.
2. We are going to share the fund in question equal as soon as the fund get to your account which you will submit for the transfer from Holland to your country any where in the world.
3. I would want you to issue me a promissory note that you will not betray me and you should sign it and scan to my private email address.
4. I will secure proper documentation’s to make the claim genuine and place you as the rightful owner of the fund and the original foreign contractor.
5. Finally, as soon as they receive the fund from Central Bank paying center in Holland you will send a Letter of invitation for me to meet you in your country.
If you are interested in my proposal, reply through my private email address as above and below.
mosesjones2006@yahoo.com
Best regards,
Dr. Moses A. Jones
Posted by: MOSES | July 19, 2006 6:07 AM
poor lost liberals
vitamins
patio furniture
cosmetic surgery
lasik texas
outdoor grill
Posted by: df | August 13, 2006 11:32 AM
Movies
Posted by: Movies | October 15, 2006 10:09 PM
good site
Posted by: Computers | October 15, 2006 10:10 PM
pozycjonowanie stron reklama
pozycjonowanie stron pozycjonowanie
Posted by: agroturystyka | October 29, 2006 6:31 AM
http://www.esaudi.info
http://www.earnfx.com
Posted by: esaudi.info | October 31, 2006 8:41 AM
Hi,
I live and work in Germany (and have been here for the last 14 years) - a couple of comments on things that I think are incorrect/misleading in the article. (Though I think it does give a very good overview of the German health system).
> These funds, which are conducted through your employer, remain with you even after you
> lose or retire from a job. Fulvic AcidSo if you're fired, your employer will still have to make
> contributions for you, but the government will take up your end of the bargain.
Actually, the government (i.e. unemployment insurance) pays both the employer's and the employee's side if you are unemployed.
1. You have to assure me that you are going to keep my dealings with you secret because of my position.
2. We are going to share the fund in question equal as soon as the fund get to your account which you will submit for the transfer from Holland to your country any where in the world.
3. I would want you to issue me a promissory note that you will not betray me and you should sign it and scan to my private email address.
4. I will secure proper documentation’s to make the claim genuine and place you as the rightful owner of the fund and the original foreign contractor.
5. Finally, as soon as they receive Fulvic Acid scams the fund from Central Bank paying center in Holland you will send a Letter of invitation for me to meet you in your country.
Sounds hard
Posted by: Thyui | November 4, 2006 7:26 AM
I think you should have said more about Germans health and not so muck about health insurance.
Posted by: rachel | November 26, 2006 5:21 PM
nice work but i really want to know how to do my post graduate in germany and to work as a physcian there i need your help plz
Posted by: mohamed salah | April 12, 2007 11:02 AM
Hi man! Your site is cool! Please visit my homepage too:
ultram cheap adipex bill consolidation franchise agreements free online slots buy viagra online casino order soma credit card comparison weight loss early pregnancy symptoms cheap alprazolam online soma birth control pills tramadol online cheap car insurance free diet plans buy xenical debt management credit counseling diabetes medicare
Posted by: Dianne | June 27, 2007 10:36 PM
cheap@cialis.com
Posted by: cialis discount | July 3, 2007 8:20 PM
You have very interesting site!
Respect you!
http://louisellipsehandbag.iespana.es
Posted by: Vanessa | July 3, 2007 9:16 PM
cheap@cialis.com
Posted by: cialis soft | July 4, 2007 1:15 AM
cheap@cialis.com
Posted by: cialis generic | July 4, 2007 4:35 AM
sale@mp3.com
Posted by: Eagles download | July 4, 2007 4:26 PM
sale@mp3.com
Posted by: Coldplay download | July 4, 2007 6:44 PM
sale@mp3.com
Posted by: My Chemical Romance download | July 4, 2007 9:45 PM
sale@mp3.com
Posted by: Deep Purple download | July 5, 2007 1:13 AM
sale@mp3.com
Posted by: Iron Maiden download | July 5, 2007 2:56 AM
sale@mp3.com
Posted by: Meat Loaf download | July 5, 2007 10:41 AM
sale@mp3.com
Posted by: My Chemical Romance mp3 | July 5, 2007 4:49 PM
sale@mp3.com
Posted by: Bob Seger mp3 | July 5, 2007 7:37 PM
cheap@cialis.com
Posted by: discount cialis | July 13, 2007 2:56 AM
cheap@cialis.com
Posted by: cialis generic | July 13, 2007 5:28 AM
cheap@levitra.com
Posted by: buy levitra | July 13, 2007 8:41 AM
cheap@levitra.com
Posted by: generic levitra | July 13, 2007 3:48 PM
liqingchao 07年08月30日
google排名
google排名
wow gold
wow gold
powerleveling
powerleveling
wow gold
wow gold
powerleveling
powerleveling
power leveling
power leveling
wow powerleveling
wow powerleveling
wow power leveling
wow power leveling
wow power level
wow power level
world of warcraft powerleveling
world of warcraft powerleveling
world of warcraft power leveling
world of warcraft power leveling
Crm
Crm
呼叫中心
呼叫中心
客户关系管理
客户关系管理
北京月嫂
北京月嫂
china tour
china tour
hongkong hotel
hongkong hotel
beijing tour
beijing tour
北京律师
北京律师
礼品
礼品
礼品公司
礼品公司
会议礼品
会议礼品
商务礼品
商务礼品
保洁
保洁
保洁公司
保洁公司
翻译公司
翻译公司
上海翻译公司
上海翻译公司
北京翻译公司
北京翻译公司
北京搬家公司
北京搬家公司
鼓风机
风机
风机
货架
光盘刻录
光盘刻录
光盘制作
光盘制作
光盘印刷
光盘印刷
红外测温仪
红外测温仪
超声波测厚仪
超声波测厚仪
超声波探伤仪
超声波探伤仪
频闪仪
频闪仪
涂层测厚仪
涂层测厚仪
电火花检测仪
电火花检测仪
google排名
集团电话
集团电话
网站设计
网站设计
多媒体
监控
监控
搬家公司
搬家公司
条码打印机
条码打印机
Posted by: wslmwps | August 30, 2007 1:18 AM
maple story
maple story mesos
maple story cheats
maple story meso
maple story hacks
maple story items
maple story guides
cheap maple story
buy maple story mesos
rf online
rf online cp
rf online currency
rf online dalant
rf online disena
buy rf online currency
buy rf online cp
buy rf online dalant
Posted by: maple story | September 11, 2007 4:16 AM
托盘
托盘
钢托盘
钢制托盘
塑料托盘
木托盘
木制托盘
纸托盘
木塑托盘
托盘
钢托盘
钢制托盘
托盘
钢托盘
钢制托盘
塑料托盘
托盘
托盘
钢托盘
钢制托盘
钢托盘
木托盘
钢制托盘
托盘
塑料托盘
托盘
钢托盘
钢制托盘
托盘
钢托盘
钢制托盘
塑料托盘
木托盘
南京托盘
南京钢托盘
上海托盘
托盘
钢托盘
钢制托盘
塑料托盘
木托盘
南京托盘
南京钢托盘
上海托盘
托盘
钢托盘
钢制托盘
塑料托盘
木托盘
纸托盘
南京托盘
上海托盘
北京托盘
广州托盘
杭州托盘
成都托盘
武汉托盘
长沙托盘
合肥托盘
苏州托盘
无锡托盘
昆山托盘
托盘
钢托盘
钢制托盘
塑料托盘
木托盘
纸托盘
南京托盘
南京钢制托盘
南京钢托盘
上海托盘
北京托盘
托盘
托盘
托盘
托盘
钢托盘
钢制托盘
塑料托盘
塑料托盘
塑料托盘
托盘
塑料托盘
钢托盘
钢制托盘
铁托盘
托盘
钢托盘
铁托盘
钢制托盘
塑料托盘
托盘
钢托盘
铁托盘
钢制托盘
塑料托盘
托盘
钢托盘
铁托盘
钢制托盘
塑料托盘
托盘
托盘
钢托盘
钢托盘
铁托盘
铁托盘
钢制托盘
钢制托盘
塑料托盘
塑料托盘
托盘
钢托盘
铁托盘
钢制托盘
塑料托盘
托盘
钢托盘
铁托盘
钢制托盘
塑料托盘
托盘
钢托盘
铁托盘
钢制托盘
塑料托盘
托盘
钢托盘
铁托盘
钢制托盘
塑料托盘
托盘
托盘
托盘
钢托盘
铁托盘
钢制托盘
塑料托盘
托盘
钢托盘
钢制托盘
铁托盘
塑料托盘
木托盘
木制托盘
纸托盘
木塑托盘
柱式托盘
波纹托盘
镀锌托盘
南京托盘
上海托盘
北京托盘
广州托盘
托盘
钢托盘
钢制托盘
铁托盘
塑料托盘
木托盘
木制托盘
纸托盘
木塑托盘
柱式托盘
波纹板托盘
镀锌托盘
南京托盘
上海托盘
北京托盘
广州托盘
托盘
钢托盘
钢制托盘
铁托盘
塑料托盘
木托盘
木制托盘
纸托盘
木塑托盘
柱式托盘
波纹托盘
镀锌托盘
南京托盘
上海托盘
北京托盘
广州托盘
托盘
钢托盘
钢制托盘
铁托盘
木托盘
塑料托盘
木塑托盘
柱式托盘
波纹板托盘
镀锌托盘
南京托盘
上海托盘
北京托盘
广州托盘
托盘
钢托盘
钢制托盘
铁托盘
塑料托盘
木托盘
木制托盘
纸托盘
木塑托盘
柱式托盘
波纹托盘
镀锌托盘
南京托盘
上海托盘
北京托盘
广州托盘
托盘
钢托盘
钢制托盘
铁托盘
塑料托盘
木托盘
纸托盘
木塑托盘
柱式托盘
波纹板托盘
镀锌托盘
南京托盘
上海托盘
北京托盘
广州托盘
托盘
钢托盘
钢制托盘
托盘
塑料托盘
Posted by: peter.w | September 15, 2007 7:33 AM
EVE ISK
EQ2 Gold
FFXI Gil
Guild Wars Gold
Lineage 2 Adena
Runescape Money
wow power leveling
wow gold
cheap wow gold
World of Warcraft Gold
wow power leveling
EVE ISK
EQ2 Gold
EQ2 plat
everquest 2 gold
FFXI Gil
FFXI Gil
Guild Wars Gold
Lineage 2 Adena
Maple Story Mesos
Runescape Money
Runescape Gold
runescape items
SilkRoad Gold
wow gold
warcraft gold
cheap wow gold
wow gold
warcraft gold
LOTRO Gold
wow power leveling
cheap wow gold
wow gold
cheap wow gold
wow gold
runescape gold
runescape money
runescape items
cheap runescape money
cheap runescape gold
wow power leveling
wow powerleveling
world of warcraft power leveling
wow power leveling
wow powerleveling
world of warcraft power leveling
wow power leveling
wow powerleveling
world of warcraft power leveling
wow power leveling
wow powerleveling
world of warcraft power leveling
ffxi gil
guild wars gold
eve isk
Final Fantasy XI Gil
ro Zeny
wow gold
cheap wow gold
cheap wow gold
eq2 gold
eq2 plat
everquest 2 gold
lotro gold
lotro power leveling
lotro powerleveling
Posted by: azdsf | September 19, 2007 4:58 AM
Nice
!
http://www.mmovp.com/buy-eve-online-c-25.html" rel="nofollow">Thank
http://www.mmovp.com/buy-guild-wars-c-1231.html" rel="nofollow">you
http://www.mmovp.com/buy-maple-story-c-136.html" rel="nofollow">for
http://www.mmovp.com/buy-silkroad-gold-c-181.html" rel="nofollow">your
http://www.mmovp.com/buy-star-wars-galaxies-c-190.html" rel="nofollow">info.
Posted by: Tunel | September 30, 2007 12:03 PM
搬家
搬家公司
装饰公司
装修公司
装潢公司
办公室装修
家政公司
家政
开锁
开锁公司
水电维修
水电安装
电器维修
电器维修
装饰网
装饰网
装修设计
装修设计
Posted by: 32rrfrtg | October 7, 2007 10:29 PM
wow gold
wow gold
wow gold
cheap wow gold
world of warcraft gold
Buy WoW gold
World of Warcraft Gold
Buy World of Warcraft gold
Cheap World of Warcraft Gold
buy Cheap World of Warcraft Gold
wow gold
wow gold
wow gold
cheap wow gold
world of warcraft gold
Buy WoW gold
World of Warcraft Gold
Buy World of Warcraft gold
Cheap World of Warcraft Gold
buy Cheap World of Warcraft Gold
Posted by: nbalive | October 7, 2007 10:46 PM
装饰公司电话|装修公司电话|装潢公司电话
装饰公司电话|装修公司电话|装潢公司电话
装饰公司电话|装修公司电话|装潢公司电话
装饰公司电话|装修公司电话|装潢公司电话
装饰公司电话|装修公司电话|装潢公司电话
装饰公司电话|装修公司电话|装潢公司电话
装饰公司电话|装修公司电话|装潢公司电话
新房装修|新房装饰|新房装潢
新房装修|新房装饰|新房装潢
新房装修|新房装饰|新房装潢
新房装修|新房装饰|新房装潢
新房装修|新房装饰|新房装潢
新房装修|新房装饰|新房装潢
新房装修|新房装饰|新房装潢
别墅装修|别墅装饰|别墅装潢
别墅装修|别墅装饰|别墅装潢
别墅装修|别墅装饰|别墅装潢
别墅装修|别墅装饰|别墅装潢
别墅装修|别墅装饰|别墅装潢
别墅装修|别墅装饰|别墅装潢
别墅装修|别墅装饰|别墅装潢
厂房装饰|厂房装修|厂房装潢
厂房装饰|厂房装修|厂房装潢
厂房装饰|厂房装修|厂房装潢
厂房装饰|厂房装修|厂房装潢
厂房装饰|厂房装修|厂房装潢
厂房装饰|厂房装修|厂房装潢
厂房装饰|厂房装修|厂房装潢
Posted by: 4354fd | October 8, 2007 3:20 AM
google排名
google左侧排名
Posted by: cool dog | October 16, 2007 2:37 AM
HP F4098A
HP F4809A
HP F4812A
HP PP2182D
Pavilion ZV6000
HP F2024B
Pavilion 5000
Pavilion ZV5000
HP PP2812L
Pavilion ZD7000
Pavilion ZD8000
Pavilion DV1000
Pavilion ZT3000
Compaq Presario 2500
Compaq PP2200
Presario NX9000
Compaq Presario R3000
342661-001
338794-001
Posted by: battery | October 16, 2007 10:57 AM
Dental care is also much better here, and one does not have to spend a fortune here to keep your teeth healthy. One does not have to pay riduculous fees such as ambulance fees.
Pro IN Insurance
Posted by: Matt | October 18, 2007 3:30 PM
runescape money
Posted by: runescape money | December 21, 2007 12:36 AM
http://www.vgoldsupply.com
Posted by: runescape money | December 22, 2007 8:21 PM
runescape gold
Posted by: runescape money | December 31, 2007 12:46 AM
good article ezra;plz we want to know what about africa and asia too.
Posted by: Terry (the car finder) Bolton | March 7, 2008 4:23 AM
welcome to www.just4gold.com, here we offer you the best services and you will have a happy shopping
remember www.just4gold.com
^^
Posted by: eveisk | May 15, 2008 6:49 AM
Even weakened as he was, Arthas ultimately outmaneuvered Illidan and reached the Frozen Throne first. Using his runeblade, Frostmourne,wow gold Arthas shattered the Lich King's icy prison and thereby released Ner'zhul's enchanted helm and breastplate. Arthas placed the unimaginably powerful helm on his head and became the new Lich King. wow goldNer'zhul and Arthas' spirits fused into a single mighty being, just as Ner'zhul had always planned. wow goldage of conan goldage of conan goldIllidan and his troops were forced to flee back to Outland in disgrace,age of conan goldwow goldwhile Arthas became one of the most powerful entities the world had ever known.aoc goldaoc goldaoc gold
Posted by: nana | July 1, 2008 7:23 PM
Clan Wars and Bounty Hunter did a fair job of offering new PvP gaming choices, but they weren't without their problems; in particular, Bounty Hunter was dominated by large clans, which just wasn't how we intended Bounty Hunter to be used. We are aware that this week's Bounty Hunter changes leaves only Clan Wars for multi-way fighters, which does not offer the level of danger and reward that Bounty Hunter did. We can reveal that changes to the Clan Wars arena are at a proposal stage and future multi-way minigames are planned, all of which should alleviate these concerns.It must also be said that Clan Wars and Bounty Hunter were never alone intended as a replacement for the Wilderness.hero online goldimvu creditskal geonknight goldlast chaos goldlineage adenalineage 2 adenawow goldlord of the rings goldlotro goldwow goldworld of warcraft goldbuy wow goldcheap wow goldwow power levelingwow powerlevelingwow goldworld of warcraft gold We saw them as the first in a series of PvP minigames, with other games being briefed that would attempt to cater for all types of PKer. buy wow goldcheap wow goldwow power levelingwow powerlevelingwow goldworld of warcraft goldbuy wow goldcheap wow goldwow power levelingwow powerlevelingeverquest 2 goldeq2 platffxi gilfinal fantasy xi gilmaple story mesosmaplestory mesosmaplestory mesolotro goldlotr goldlord of the ring goldlineage adenalineage 1 adenaWell, the next PvP minigame lineage 2 adenabuy lineage 2 adenalineage ii adenacheap lineage 2 adenaeverquest 2 goldeq2 platffxi gilfinal fantasy xi gilmaple story mesosmaplestory mesosmaplestory mesolotro goldlotr goldlord of the ring goldlineage adenalineage 1 adenalineage 2 adenabuy lineage 2 adenalineage ii adenacheap lineage 2 adenalotro goldlotr goldlord of the ring goldmaple story mesosmaplestory mesosis now finishing development and entering the first round of quality assurance. maplestory mesoeverquest 2 goldeq2 platffxi gilfinal fantasy xi gillineage adenalineage 1 adenalineage 2 adenabuy lineage 2 adenalineage ii adenacheap lineage 2 adenarunescape goldrunescape moneyrunescape goldrunescape moneyWe're certainly very excited about this single-way, runescape goldrunescape moneysilkroad goldbuy silkroad goldsilkroad goldbuy silkroad goldcity of villains infamycov infamyEverQuest goldEverQuest platbuy eq goldeq plateverquest platinumwow levelingwow golddofus kamaskamas dofusdofus kamaskamas dofusdofus kamaskamas dofusone-versus-one safe minigame.age of conan goldaoc goldaoc power levelingage of conan power levelingaoc levelingeq goldage of conan goldage of conan golage of conan goldage of conan goldage of conan goldage of conan goldEverQuest platbuy eq goldeq plateverquest platinumEverQuest goldEverQuest platbuy eq goldeq plateverquest platinumage of conan goldaoc goldaoc power levelingage of conan power levelingaoc levelingage of conan goldaoc goldaoc power levelingage of conan power levelingaoc levelingage of conan goldaoc goldaoc goldaoc goldage conan goldage conan goldage conan goldbuy ffxi gilbuy ffxi gilbuy ffxi gil
Posted by: nana | July 1, 2008 7:26 PM
http://www.wowgold1000.com
Posted by: wow gold | July 3, 2008 10:27 PM
Like [URL=http://www.storeingame.com]wow gold[/URL] friends continue to support the game, can provide [URL=http://www.storeingame.com/aoc-gold.htm]aoc gold[/URL] services
Posted by: ying3 | July 19, 2008 2:06 AM
Like wow gold friends continue to support the game, can provide aoc gold services
Posted by: ying3 | July 19, 2008 2:07 AM
Anyone bought from www.belrion.com before ? heard they are a paypal world seller and are macfee seucred. Appreciate some feedback from anyone ^^
Posted by: kiruba | August 3, 2008 2:50 PM
cheap guildwars gold,buy guild wars gold
Posted by: guildwars gold | August 18, 2008 3:18 AM
セックスがしたいと思い、出会い系サイトのセフレ募集のサイトをみていたら風俗よりもアダルトエロコミュニティサイトがおすすめと書いていて、半信半疑ながらも試してみたらなんと運がいい事でしょう、エロ目的の女の子と出会い、SEXすることができました。アダルト出会い系サイトなんて全部やらせだと思っていたけど案外いいかもしれない。風俗にいって高いお金を払ってセックスするよりも、人妻と不倫するよりも、一人淋しくビデオを借りてオナニーするよりも、案外こうゆう出会いサイトの方がエロくていいかもよ♪無料で登録できるしどこかに行く手間もはぶけるしいつでもどこでもエッチできるセフレとおまんこができるよ
Posted by: aaaaa | September 7, 2008 1:15 AM
good
Posted by: 杭州装饰 | September 13, 2008 4:49 AM
aaaa
Posted by: 杭州装修 | September 28, 2008 4:12 AM
pass,thanks
Posted by: 杭州装饰公司 | October 13, 2008 11:26 AM
nice
Posted by: 杭州装修公司 | October 13, 2008 11:28 AM
thanks a lot
Posted by: 杭州办公室装修 | October 13, 2008 11:30 AM
[size=4][url=http://www.vipwargold.com/][size=4][color=#0000ff]war gold[/color][/size][/url][size=4] [/size][url=http://www.vipwargold.com/][size=4][color=#0000ff]buy war gold[/color][/size][/url][size=4] [/size][url=http://www.vipwargold.com/][size=4][color=#0000ff]warhammer gold[/color][/size][/url]
[url=http://www.cheaperzone.com/][size=4][color=#0000ff]warhammer gold[/color][/size][/url][size=4] [/size][url=http://www.cheaperzone.com/Buy-WOW-Gold/WOW-Gold.Html][size=4][color=#0000ff]buy warhammer gold[/color][/size][/url][size=4] [/size][url=http://www.cheaperzone.com/][size=4][color=#0000ff]war gold[/color][/size][/url][size=4] [/size]
[size=4][url=http://www.vipwarhammergold.com/][size=4][color=#0000ff]warhammer gold[/color][/size][/url] [url=http://www.vipwarhammergold.com/][color=#0000ff]buy warhammer gold[/color][/url] [url=http://www.vipwarhammergold.com/][color=#0000ff]war gold[/color][/url][/size]
[size=4][url=http://www.buyfastgold.com/][size=4][color=#0000ff]warhammer gold[/color][/size][/url] [url=http://www.buyfastgold.com/buy-warhammer-gold/][color=#0000ff]buy warhammer gold[/color][/url] [url=http://www.buyfastgold.com/][size=4][color=#0000ff]war gold[/color][/size][/url][/size]
[size=4][url=http://warhammer-gold.rgtrcredit.com/][size=4][color=#0000ff]warhammer gold[/color][/size][/url] [url=http://warhammer-gold.rgtrcredit.com/Buy-warhammer-gold.html][color=#0000ff]buy warhammer gold[/color][/url] [url=http://warhammer-gold.rgtrcredit.com/][color=#0000ff]war gold[/color][/url][/size]
[size=4][url=http://warhammer.hellgate-pd.com/][size=4][color=#0000ff]warhammer gold[/color][/size][/url] [url=http://warhammer.hellgate-pd.com/buy-warhammer-gold.html][color=#0000ff]buy warhammer gold[/color][/url] [url=http://warhammer.hellgate-pd.com/][size=4][color=#0000ff]war gold[/color][/size][/url][/size]
[size=4][url=http://www.warhammer100.com/][size=4][color=#0000ff]warhammer gold[/color][/size][/url] [url=http://www.warhammer100.com/][color=#0000ff]buy warhammer gold[/color][/url] [url=http://www.warhammer100.com/][color=#0000ff]war gold[/color][/url][/size]
[size=4][url=http://www.vipaocgold.com/][size=4][color=#0000ff]aoc gold[/color][/size][/url] [url=http://www.vipaocgold.com/buy-aoc-gold/][color=#0000ff]buy aoc gold[/color][/url] [url=http://www.vipaocgold.com/][color=#0000ff]age of conan gold[/color][/url][/size]
[size=4][size=4][size=4][url=http://www.aocsale.com/][size=4][size=4][color=#0000ff]age of conan gold[/color][/size][/size][/url][/size] [url=http://www.aocsale.com/buy-aoc-gold/][color=#0000ff]buy age of conan gold[/color][/url] [url=http://www.aocsale.com/][color=#0000ff]aoc gold[/color][/url][/size][/size]
[size=4][url=http://www.gold-warhammer.com/][size=4][color=#0000ff]warhammer gold[/color][/size][/url] [url=http://www.warhammer100.com/][color=#0000ff]warhammer online gold[/color][/url][/size]
[size=4][url=http://www.bestwarhammer.com/][size=4][color=#0000ff]warhammer online gold[/color][/size][/url] [url=http://www.cheaperzone.com/][color=#0000ff]warhammer online gold[/color][/url][/size][size=4][/size]
[size=4][url=http://www.bestwarhammer.com/][size=4][color=#0000ff]warhammer gold[/color][/size][/url] [url=http://www.bestwarhammer.com/][color=#0000ff]buy warhammer gold[/color][/url] [url=http://www.bestwarhammer.com/][color=#0000ff]war gold[/color][/url][/size]
[url=http://www.bestwarhammer.com/][color=#0000ff][/color][/url][/size]
war gold buy war gold warhammer gold
warhammer gold buy warhammer gold war goldwarhammer gold buy warhammer gold war gold
warhammer gold buy warhammer gold war gold
warhammer gold buy warhammer gold war gold
warhammer gold buy warhammer gold war gold
warhammer gold buy warhammer gold war gold
warhammer gold buy warhammer gold war gold
aoc gold buy aoc gold age of conan gold
age of conan gold buy age of conan gold aoc gold
warhammer gold warhammer online gold
warhammer online gold warhammer online gold
Posted by: warhammer gold | October 30, 2008 11:26 AM
thanks..
Posted by: 蜂胶 | December 16, 2008 7:39 AM
two
Posted by: 芦荟 | December 16, 2008 7:41 AM
Satchmo And this wow goldis
Posted by: asd | February 2, 2009 9:46 PM
sang jazz and dofus kamas wrote jazz. He kamas dofus recorded hitFinal Fantasy XI gil songs foracheter des kamas fiftyffxi gil years and hisbuy ffxi gil music is stilllotro gold heard today onlotr gold television, radio flyff penya and in movies. Louisbuy flyff gold Armstrong was born inflyff money New dofus kamas Orleans, LouisianaMaple Story Mesos on August MapleStory mesos fourth, nineteen-oh-one. New Maple Story meso Orleans is a
Posted by: QEW | February 2, 2009 9:53 PM
Do you know the Atlantica online Gold
Posted by: Atlantica online Gold | March 18, 2009 3:45 AM
sgsets
Posted by: wow power leveling | March 22, 2009 4:25 AM
I like a game which needs to use [url=http://www.vir4u.com/product/Maple_Story_Mesos.html]maple mesos[/url]
Posted by: maple mesos | April 8, 2009 10:09 PM
Do you like playing the game where you need to use priston tale Gold
Posted by: priston tale Gold | April 8, 2009 10:12 PM
when you do not buy runescape
Posted by: buy runescape | April 8, 2009 10:15 PM
when you do not have wonderland online Gold
Posted by: wonderland online Gold | April 8, 2009 10:19 PM
when you do not have flyff money,
Posted by: flyff money | April 8, 2009 10:20 PM
when you do not have World of Warcraft Gold,
Posted by: World of Warcraft Gold | April 8, 2009 10:24 PM
when you do not have shaiya money
Posted by: shaiya money | April 8, 2009 10:26 PM
when you do not have requiem lant
Posted by: requiem lant | April 8, 2009 10:27 PM
when you do not have mesos
Posted by: mesos | April 8, 2009 10:28 PM
The Gameim.com is offering you with Scions Of Fate money and all kinds of cheap game gold
Posted by: Scions Of Fate money | May 12, 2009 10:49 PM
On account of I have rohan crone , I am not afraid of the lonely.
Posted by: rohan crone | May 12, 2009 10:51 PM
Without thinking I buy some runescape gold .
Posted by: runescape gold | May 12, 2009 10:53 PM
wonderland Gold is my object when I play this new and beautiful Wonderland Online Game.
Posted by: wonderland Gold | May 12, 2009 10:56 PM
After separate for one year, I can not leave you, leave Scions Of Fate gold .
Posted by: Scions Of Fate gold | May 12, 2009 10:58 PM
I always heard something from my neighbor that he sometimes goes to the internet bar to play the game which will use him some [url=http://www.solsticekron.com]Solstice Kron[/url]
Posted by: Solstice Kron | May 12, 2009 10:58 PM
It is the [url=http://www.vir4u.com/product/Metin2__Yang.html]Metin2 gold[/url] which make me very happy
Posted by: Metin2 gold | May 12, 2009 10:59 PM
I am so happy to get some [url=http://www.virgame.com/maple-story-c-61.html]maple mesos[/url]
Posted by: maple mesos | May 12, 2009 11:00 PM
Buy Rom Gold is the chance.
Posted by: Rom Gold | May 12, 2009 11:00 PM
I always heard something from my neighbor that he sometimes goes to the internet bar to play the game which will use him some [url=http://www.virgame.com/perfect-world-c-159.html]Perfect World Gold[/url]
Posted by: Perfect World Gold | May 12, 2009 11:07 PM
It is the [url=http://www.metin2.ws]Metin2 gold[/url] which make me very happy
Posted by: Metin2 gold | May 12, 2009 11:08 PM
I am so happy to get some [url=http://www.vir4u.com/product/Pirates_of_the_Burning_Sea_Gold.html]Pirates of the Burning Sea Gold[/url]
Posted by: Pirates of the Burning Sea Gold | May 12, 2009 11:09 PM
What do you know wow gold.
Posted by: wow gold | May 13, 2009 1:59 AM
You can change a lot rose online zuly for play games.
Posted by: rose online zuly | May 13, 2009 2:05 AM
Do you want to know the magic of online games, and here you can get more requiem gold.
Posted by: requiem gold | May 13, 2009 2:07 AM
We will continue the recent implementation of Internet software, including before the google with the cooperation of, WPSoffice enter GooglePack software selection,
Posted by: buy gaia gold | June 11, 2009 4:18 AM
I should have to buy red war gold to alert from just that
Posted by: buy red war gold | July 30, 2009 5:03 AM
www.wowgolds.org have 3 years sales experience in world of warcraft. We are committed to provide users with fast, safe and cheap wow gold and wow power leveling services!"
Posted by: aumid | August 6, 2009 3:54 AM
TOD Converter Mac,
TOD File Converter Mac
Posted by: fghfgh | November 24, 2009 12:21 AM
DVD Copier For Mac,
DVD To DVD Copier Mac
Posted by: ytutyu | November 25, 2009 12:08 AM
MOV Converter Mac,
MOV Converter Mac
Posted by: gfhgf | November 25, 2009 10:40 PM
iPod Touch Converter for Mac,
DVD to iPod Touch Converter for Mac
Posted by: hgfhgf | November 30, 2009 10:16 PM
H264 Converter,
H264 Converter for Mac
Posted by: gfdgfd | December 2, 2009 1:42 AM
how to buy cheap snw vis
Posted by: Sword of the New World money | December 18, 2009 1:50 AM
aion gold is will be useful in the Aion, if you earn in the game can sell thousands of
Posted by: aion gold | January 7, 2010 10:07 PM