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I asked about how they were going to wash and dry their clothes. Blank stare, then ‘Mom will do it’. I mentioned no, no Mom, you require to plan to do it oneself. Time and funds to do your own laundry. And all these ‘special’ garments that require ‘special’ care,…..enjoy! Financial Institutions should refrain from providing or using incentives for Advisers to act contrary to the customer’s ideal interest. Several of the individual courses in this plan are eligible for transfer/credit to the specialist accounting bodies.

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