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  Don't let this get you down GaryC. You shall ever be swimming against the tide with these two eminent word-smiths [I almost wrote 'polished-tu...', but stopped myself and settled for 'wo...', I can't think why]
  As with any financial/investment wizards you meet or care to mention much of their schpiel will include speculation on future earnings/income that one "can safely borrow on". This was the downfall of GB, he listened and thought himself in-the-know, schmuck!
  As ever it is best to follow the money. There are those firms trading under an array of initials who's job it was to sign-off on the bank's accounts etc. etc. Much thought could usefully be applied to their dealings. Check out the names of the big-donors to this party and...well that's it, you will probably only find them donating to the one party at the present time.

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