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  Reg Hansell - You really do cut/paste and warp everything. I can guarantee to you that I have a far better grasp of how most people run their finances than you do, people from all backgrounds and circumstances, I deal with it every day. It may be inconvenient to you but it is not only well off middle class people or wealthy people who want some proper advice on financial matters. As always facts are inconvenient when it comes to your continuous and rather puerile point scoring.

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