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We look after YOU

We hope you find our site useful, but do remember that it is no substitute for individual advice in your individual circumstances. The contents of this site are, in the very nature of things, very generalised. They cover the general sort of advice that we would generally expect to be appropriate in the generality of cases. In real life things are rarely so straightforward, and most cases differ from the norm in at least one respect or another. So best take advice, and ignore everything on this site. Be safe rather than sure.