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dear fungus....you indeed have a very good point...it is trully frightening....its my belief ..and has always been that ...the vast majority of NZ ers are quite financially illiterate....as I say to my mates....kiwis are fantastic/brilliant at working/making for the dollar.....but just cant keep the bloody stuff...keeping the stuff requires a different mind set/discipline quite honestly ...it drives me nuts at times ...cheers...
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