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    And your point is Sid?

    Pointing out reality, saying where someone is going wrong and advising them how to proceed in a way to improve things is not gloating, it is being honest, whether it is in respect of a person or an individual. They pay me a fee to be honest with them.

    If I was to recommend my clients to act in the manner of the Government I would be in serious trouble with the regulators, quite rightly so.

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