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    Howard - I accept your apology.

    I disagree about PME though. Like everything there are good and bad. Some contracts are designed to be low cost and can be very good value as well, but you need to know what you are getting. PME is accessible to anyone who wants to prioritise to pay for it, a matter of personal choice. I have probably had far more exposure to these contracts than you both on a personal and business level (though I do not sell them, a specialism I do not get involved with). Contracts come in all shapes and sizes, I would not be without valid PME cover.

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