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"Normally after 365 years we'd be looking at a better figure, but not when you've only worked one day a year!"
"Having looked at your forecast the best advice I can give you is to die a little earlier!"
"It could be worse, you could have a life-threatening disease."
"We need 80% of our pre-retirement income for retirement."
'To be honest I generally only deal with clients by phone or email.'