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    Oh how times change..and quicker than you might think.

    Only a month or so ago there was much whipping-in of those who advocated clearing debt and not spending. It was not the debt clearing advice that was the problem then, but the not spending bit.

    maybe with Christmas so firmly in the past that retail woes are now too out of mind.

    Where would the pensioners of today be if they had not been doing as they were told and knitting hats and other warm woollens...by first picking the stitches from a blanket?

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