61. It is likely that the insurance structure the Federation stands for, and how it is designed, can bring along
economies of scale. This does not mean however, that the scheme therefore meets the requirements of Article 6,
paragraph Ms. In the opinion of ACM at least two of the above mentioned conditions (the indispensability of the
restrictions and not substantially disabling some of the competition) are not met. The Association has, in the
opinion of ACM not (adequately) demonstrated that all four cumulative conditions apply this.
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