Could this be the reason why there are fewer clients calling?

It did seem rather silly that the suggested cure for a crisis caused by people spending money they didn't have was to encourage them to go back to spending the same non-existent money.

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Dan
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I love my girlfriend, my dog and my canon 5DIII - even though none of them ever do what I tell them
I am learning photo graphee - see the results at www.danmarchant.com