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thanks mitch i will have a look at them.
I appreciate it is all in the small print but i also know a lot of the issues are if you do ever need to use them and get money out of them.
I will do a...

Hi all.

been away for a while due to sorting out a load of life stuff. Thankfully all sorted now and was hoping to steal some advice from you all.

It's that time of year again where I have to...