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    Unfortunately Osborne is building up problems for himself by targeting universal benefits as they are one of the few ways that many reasonably wealthy people connect with the rest of society.

    If I pay for my children's education, pay for private health care, pay into a private pension fund and then find that due to my income I am no longer eligible for child allowance, free TV licence, winter fuel payments etc. it will not be long before I begin to wonder why I should pay a penny into a system from which I do not benefit.

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