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Through disruptive innovation Instead of paying a lawyer $300–$600 an hour, thousands of members all pay a small monthly fee. That money goes into a big pool, and because not everyone needs legal help every single day, the cost stays low. It’s the same concept as: • Netflix → thousands of users pay a small fee, so everyone gets access to a huge library. • Health insurance → everyone pays in, so the cost of care is shared. 1. Group buying power They negotiate discounted rates with entire law firm
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