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    Not talking about any kind of loopholes here Bern, only simple financial planning open to all. The very wealthy have the means and incentive to do more and I cannot blame them at all.

    There is of course a difference between those paying in to the system and those taking out. The complexities of the system is a problem both ways - complexities create the means for those with large liabilities (bigger than mine) to get out of them and complexities deter some valid claims for benefits.

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