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    Dave - I do actually have a pretty good idea what they are. Believe it or not I have some clients who are on benefits, either because they are temporarily our of work, suffer ill health or get tax credits.

    Sometimes you have to be hard to be kind and the benefit system is too generous overall. There is no shortage of people who have never worked a day in their lives, living on benefits, who have smart-phones, 42" tvs and smoke/drink. That is all I need to justify saying that benefits are too high.

    That though is not the point.

    People in work have had to make sacrifices such as pay freezes and pay cuts, it is time that those on benefits carried some of the burden with a benefit freeze. Why should only people who work hard take all the knocks?

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