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    I think I understand this Barry.

    As for your clients, they would have paid their mortgage off sooner if perhaps they had taken Laura Sandys' last pearl of wisdom 'make do and mend'.

    Perhaps the private companies that we are now so dependent on should also adopt this patronising mantra too?

    After all business is just like home finances, or a game of monopoly...I read that too on Conservativehome *chokes on sausage roll*

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