What the F**K?

Dominic Thomas
Oct 2025  •  2 min read

What the F**K?

“F**k” is just a word yet conveys so much. Imagine yourself building a wonderful career in the service of others, attending a ceremony to acknowledge your work, where the Queen will present you with an MBE only to find the moment so overwhelming that you uncontrollably blurt it out to her majesty … except this time you have had the benefit of history and context.

I swear is the beautiful story of John Davidson who develops Tourette’s syndrome as a young teenager. Those of you offended or put off by swearing will struggle with the film, but to miss it would be a mistake. It is a beautifully told film, highlighting the misunderstanding and mistreatment that those with the syndrome experience every day and the salient point is that they cannot control themselves; it is a genuine condition.

We return to the 1980s, the pre-tech age, where corporal punishment was regularly meted out to those who crossed a line. Many of those draconian punishments were dispensed from ignorance (perhaps all of them). The Davidson family struggled to come to terms with Tourette’s in a world that lacks awareness, life is a challenge and John is eventually another misfit of academic data.

The intervention of Dottie is arguably the turning point in John’s life. It is her welcome and acceptance as someone outside of the family that changes the course of this story. Often, we can feel overwhelmed by the scale of the challenges we face, yet we know from history and perhaps experience, that a single person or act can have a remarkable impact. One person leads to the next and the next. John is welcomed, accepted, encouraged and importantly – empowered. His life becomes one of influence and it’s awesome.

What has this story got to do with financial planning? Tourette’s is not curable, but as we see in the film, technology in the hands of some rather good medics have made life much better for many of those with the syndrome. In particular, the research at Nottingham University. Invariably such research and prototype solutions require funding to develop them and bring them through the complete product lifecycle to the marketplace. This is often where investment in ‘life sciences’ happens, the sort of investment that is not in your mainstream portfolio (because there is a high risk of failure) but can be found through Enterprise Investment Schemes and Venture Capital. As this sort of investing is much more speculative (often with a far greater potential upside), there is Government inducement with tax relief on the investment of 30% or even 50% in some cases. The investment is invariably ‘locked in’ for five years or more, but the intention is to bring a world-changing solution to market and sell it to a much larger organisation at significant profit which can release it on a global scale.

There’s that and, well, frankly it’s a good reminder that when our plans and hopes look bleak, sometimes what it takes is the right conversation with someone who sees you and wants to help. Here’s to more conversations and I don’t mind the swearing.

UPDATE:

Congratulations to Robert Aramayo who collected an unexpected BAFTA in February 2026 as leading actor for his portrayal of John Davidson.

What the F**K?2026-02-25T17:09:56+00:00

Should I plan my own funeral?

Debbie Harris
Oct 2025  •  1 min read

Should I plan my own funeral?

I attended a funeral recently and when I was talking about it later that day with my adult children, I said that I thought the service had been thoughtfully planned and beautifully delivered – a real and heartfelt tribute to the lady who had passed away.

We then had what you might call a somewhat morbid and macabre discussion about what MY funeral might look like (much gallows humour ensued!)

I told them (and have always felt the same way about this) “I’ll be dead.  I don’t mind what you do!  Do whatever you want to do to honour my memory and say your goodbyes”.  My only ‘stipulation’ was that everyone attending my funeral should wear something purple (my favourite colour).

In my mind – funerals are ‘about’ the deceased; but ‘for’ the bereaved – so I’ve always felt that planning the funeral and deciding how to honour the memory of the deceased should be the remit of those left behind.

My opinion has always been that “if life is a book, the epilogue should be written by our loved ones”.

To my great surprise, both of my children were very clear that they would want me to have left them instructions! (My son in fact went so far as to suggest that it would be best if I could plan the entire thing … so that they [in their grief] would not have to think about it at all).

This was a real eye-opener!

So I now have another task on my ‘life admin’ to do list – is it on yours too?  Apparently your loved ones will thank you for it!

There are lots of firms who offer funeral planning as a service (for a hefty fee), but I suspect something rather more home-grown might feel more authentic.  It might be as simple as selecting a few songs; suggesting a venue; providing a list of possible ‘eulogy deliverers’.  It could be a detailed ‘order of service’ to be followed.  Whatever you decide to do (if anything), be sure to tell your loved ones that a plan exists and where it can be found.

I encourage you to ‘have the difficult conversation’ with your family about this. They might surprise you!

Should I plan my own funeral?2025-10-21T16:01:29+01:00

The Times They Are A Taxing?

Dominic Thomas
Oct 2025  •  3 min read

The Times They Are A Taxing?

Tax is one of those hot topics that can be fairly divisive along political lines. Few of us relish the idea of paying tax, but nearly everyone loathes the idea of our taxes being wasted on vanity projects or things that seem out of line with our values or needs.

I recently had the pleasure of seeing Nye, a production at the National Theatre about the Welsh Labour MP who was responsible for creating the NHS. Given how many doctors I have met and advised over the years and how committed they are to their work, I was surprised to learn how few doctors in the late 1940s were initially supportive of his plans. I am, probably like you, extremely grateful for the NHS and the treatment and care that I have had over the years. Of course it has many faults and flaws, but like all great things it is a work in progress.

Whilst the play, starring Michael Sheen, has now concluded its sell-out run, it is still available to watch on the excellent streaming service from the National Theatre (very good value at £100 a year).

You may remember the fabulous opening ceremony of the 2012 Olympic Games in London, created by Danny Boyle, a time when being English made me rather proud and flags were welcoming. There was a great segment honouring the NHS with giant beds and dancing doctors and nurses, a real celebration of one of our best institutions.

It took courage, passion and compromise to create the NHS – agreeing to make doctors the highest paid professionals, whilst retaining their independence and ability to work outside the NHS. It also took tax – at a time when Britain and the world was being rebuilt brick by brick, street by street. Rationing hadn’t even ended – not officially ending for another six years after the NHS was born (4 July 1954).

Today the NHS has approaching 1.4m members of staff with a budget approaching £200bn and serving 66 million of us. Most Americans (the sensible ones) recognise just how lucky we are to have our NHS, a medical problem in the US may well see your family bankrupted without sufficient private insurance.

Tax can be used extremely well and it’s clear that different nations have alternative views and approaches. It would seem that the majority of politicians have given up on trying to do difficult things, instead opting for pat answers and deferring decisions (or indecision). The NHS is regularly a political football and the media coverage that it often receives can only leave a discerning mind questioning the motives of billionaire media owners who live abroad (well maybe simply drawing obvious conclusions). In the pandemic we saw the incredible bravery of medics as they tackled an unknown virus without the right equipment, we clapped and thanked and then many forgot.

So I am hereby giving my heartfelt thanks to those of you who work within the NHS, as GPs, Junior Doctors, Consultants, nurses, psychologists, psychotherapists, OTs and managers (I hope I haven’t missed any of you out). Whether you are retired or still fighting the good fight, THANK YOU! My family, friends and I have all benefitted from your collective wisdom, care and the pursuit of good medicine and good science.

So let us remember that our taxes, as painful as they may sometimes be (and I would be the first to suggest that the tax system is desperately broken) are doing tremendous good, every minute of every day. The NHS should not be for sale.

References:

2012 Olympic Ceremony video: https://www.youtube.com/live/4As0e4de-rI?si=VwY32f_03psef0F0

Nye: National Theatre Trailer: https://nye.ntlive.com/trailer/

National Theatre at Home: https://www.ntathome.com/

The Times They Are A Taxing?2025-10-10T15:53:03+01:00

Is there a ‘crisis of meaning’ in retirement?

Jemima Thomas
Sept 2025  •  2 min read

Is there a ‘crisis of meaning’ in retirement?

I recently read an article about why the workplace is facing a ‘crisis of meaning’, and why and how to fix it. It’s a topic thrown around a lot this year with close friends of mine as we recently turned 30. Some of us are beginning to really flourish at work & can start to see our careers taking off, whilst others are beginning to question whether to start over entirely, or are feeling incredibly depressed with the notion of doing their job for the next 40 years, but simply don’t see what they’d do instead…

The article was largely reiterating that finding purpose in one’s job doesn’t have to be the ‘be all and end all’; but rather that your work being meaningful is strongly associated with greater contentment. Whilst this post isn’t meant to probe you to question your working life, there is a noticeable similarity on the meaning of work, that we sometimes have with clients and their retirement. There is the uncomfortable reality of what day to day life is going to look like without work, particularly when work has been a large source of gratification, so we know for some of you this can be incredibly anxiety-inducing. For the first time (pretty much ever) you will be faced with asking yourself questions work has largely been answering for you (or covering your need to ask entirely).

On the surface, it seems easy to conjure up a list of fun things to do when you retire, but imagining an average day, let alone how you’d like to live ‘the rest of your life’ can be hard.

Those of you who have been a long-term client of ours will know these questions are not new, nor are they ones we shy away from asking here at Solomon’s. So here is a small collection of questions I hope some of you begin to entertain before retirement becomes your reality.

  • What do you want to spend your time doing?
  • What do you enjoy doing?
  • What do you want to achieve with your life?
  • What makes your life meaningful?
  • Think of some people you admire – what do you admire about them?
  • What gives your life purpose?
  • What makes you feel like you’re doing what you’re supposed to be doing?
  • What matters to you?
  • What values do you think are the most important?
  • How would you like people to describe you?

For our next edition of Spotlight we will be covering this topic further, so I would also like to ask those of you who have retired successfully … please share with us how your experience has been and what insights you can offer to those about to reach a similar milestone. You can reach me at [email protected]

Is there a ‘crisis of meaning’ in retirement?2025-09-19T10:23:17+01:00

What month would you be in if life were a year?

Dominic Thomas
Aug 2025  •  3 min read

What month would you be in if life were a year?

One of the most difficult aspects of my work is approaching the subject of death. We covered some practical elements of this in our last edition of Spotlight (Spring 2025). It’s a very difficult topic, one of the last taboos. Most of us would prefer to avoid the discussion, in fact I have even met a couple of people who told me not to talk about it because it would hasten their death, which is one of the more strange responses I have had.

Most of us grow up with the expectation that life will be long, we will reach old age and have a lengthy, good retirement. We all come to experience loss; some of us at a very early age. We are often shocked by the news of someone young, or relatively young who has died. It feels as though their lives have been cut short.

The purpose of raising the subject is not to be the voice of doom, but to enable you to really do two things. Firstly, prepare for your death, which means getting your legal documents in place and ensuring that your beneficiaries are properly taken care of. Secondly, it is a reminder that life is brief, none of us know when it is our time, so we ought to be attempting to live a full life, one that doesn’t have too much deferred into the future, but feels very fulfilling here and now in the present.

You may have seen all sorts of data showing the average life expectancy of a man or woman in the UK. There is even a “death clock” which takes your age now and calculates the expected day of your death based on your health, outlook and country of residence. This of course is an informed guess based on international averages. The reality is that if you have a financial planner, you have money.  And if you have money, you probably have the ability to access better healthcare and make better dietary/fitness choices. You probably (not necessarily) have a lower level of stress. As a result, you are likely to outlive the average.

However, most of us rarely think about this and go about our lives with the expectation of a fairly long and healthy future ahead of us still. We tend to think life will stretch out ahead of us, there will be ample time. However, if life was a calendar year, I wonder what month you would be in?

If we were to consider each month representing eight years of our lifetime, then life expectancy would be 96. Turning 56 means it’s July with the expectation of a few summer months. At 72 you have reached October. I wonder if thinking about life this way might encourage us to take each day a little more thankfully – and thoughtfully. The average person would have each month represent seven years, so at 56 it’s August already.

It’s a bit alarming and perhaps morbid, but surely an important reminder that life is very brief indeed. We don’t know what the future holds, but ask yourself, do you really want to be spending a significant proportion of it worrying about money or attempting to manage it? Ultimately, that is the point of delegating your financial planning to us, so that you can go and do the important things that you value most.

Sadly, I regularly meet people with diagnosed conditions that shorten their lives; and whilst we all know that money cannot buy time, actually you can create more time to do the things that you value because of the backdrop of a great financial plan based on what’s important to you. It is never about you spending valuable time managing your own investments.

References:

Death Clock: https://www.death-clock.org/

ONS mortality tables: https://www.ons.gov.uk/peoplepopulationandcommunity/birthsdeathsandmarriages/deaths

What month would you be in if life were a year?2025-08-21T15:39:46+01:00

Do you know what you really want?

Dominic Thomas
July 2025  •  2 min read

Do you know what you really want?

There are lots of difficult big questions in life, one of them seems relatively simple, but most of us find it hard to put into words precisely what we feel. What is it that you desire? What is it that you really want?

It’s tempting to list a number of things or experiences, perhaps a sense of wellbeing or contentment. Whatever you wish for, it is likely that it will alter over time. When you don’t have something you tend to want it, when you possess it, there’s something else. It’s almost as if we are programmed to remain restlessly preoccupied with something other than what we have. Some of us are better at coming to terms with this than others; some simply deny it happens.

Think back to when you were finishing school, as many are at the moment. You were probably looking forward to finally leaving the confines of your classroom, hoping for a good long summer holiday and the right grades to get you to your next step. If you went to University, graduating and finding a good job and somewhere to live, then saving for your first home, then wanting a mortgage and then not wanting a mortgage, worrying about your career steps, your loved ones and your retirement, then if you will maintain your health and will you need help.

There is a sense of never really arriving.

We may experience certain critical moments in life when our values are brought more into focus, stress tends to be the catalyst for this. Love, death, sickness, betrayal, loss or simply change. These are moments where our values become tested and often the noise of life falls away and exposes what is actually important to us.

At Solomon’s, our planning attempts to evoke responses from you about the life you want to live. There are no judgements, no wrong answers, but of course it isn’t always easy to verbalise what you want when asked. Most of us don’t have a bolt of lightning moment when we know, it tends to evolve over time, sometimes many years. I think that for some people, a sense of purpose is really important, or connection to their community, however that is defined. Whatever it is I imagine and hope that it produces a sense of joy and deep calmness, a sense of your unique character being in a state of nirvana.

When life feels precarious or endangered, a sense of anxiety naturally rises, so whilst a financial plan cannot control the external, we can at least provide a roadmap for your route to contentment. One of the most common notions behind financial planning is that it brings about a sense of ‘peace of mind’. It’s a phrase that I’ve heard regularly over the years, but it’s never really sat well on my tongue. Any and every good financial plan has an acknowledgement of uncertainty – we don’t know what the future holds. We can align our finances and actions with our values and prepare for the future, getting organised, disciplined, making better choices and decisions.

For me, the thing I want, other than deep human connections, is a sense of limited freedom – I will always have limitations, but within those it is the freedom to choose and the sense of empowerment that it brings.

How about you?

Do you know what you really want?2025-07-18T10:47:11+01:00

The Salt Path is even more salty

Dominic Thomas
July 2025  •  2 min read

The Salt Path is even more salty…

Well, if you’ve read the book, seen the film or read my blog you will know this story of Moth and Raynor Winn who lost everything and found what was important. However, it seems that this is yet another story that is largely fabricated to self-serve. We are used to our own gutless politicians, and the plain lies and warmongering of the likes of Trump, Putin, Netanyahu and the deranged Farage, but once again fantasy and fiction collide to make falsehood.

Investigative journalist Cloe Hadjimatheou was intrigued enough about the elements of the story that didn’t add up. I suggested that I had some concerns as the complete loss of a home due to a poor investment is somewhat unusual and extreme.  Hadjimatheou has done a thorough examination of the story and now it seems that everyone involved is backed into a corner with nowhere to hide.

The reality is rather different from both film and book, even whilst allowing for artistic licence and dramatisation, there are important aspects of the story that make the original tellers subject to the charge of complete liars.

According to Hadjimatheou’s thorough research, it would seem that Raynor Winn is herself a fictional character as is her husband Moth, in fact they are Sally and Tim Walker. Sally embezzled money from her employer to the tune of around £64,000 but it seems probably rather more. A family relative provided a loan of £100,000 to cover the legal fees and repayment to her employer Martin Walker an estate agent and surveyor in Pwllheli. The family relative who had provided the loan lost his business and creditors, together with the permission of the Courts, subsequently wanted repayment of the £100,000 which with interest had become £150,000. Failing to meet the repayment with a year to do so, resulted in repossession.

However, there are further plot twists with the couple buying property in France and publishing a book with a prize of their home (which it was suggested was mortgage free). So to say there are some serious questions about the credibility and character of Mr and Mrs Walker would be, well, something of an understatement. This then calls into question Tim Walker’s claim that he was diagnosed with corticobasal degeneration, as it is clear from the alleged time of diagnosis that nothing short of a miracle has occurred with his condition, something that medical experts find highly dubious. Medical records are of course, rather conveniently, protected.

Anyway, you can read the investigation by Cloe Hadjimatheou for yourself in the Observer, it was published on Saturday 5th July – here is the link

As for the Walkers, it seems that they have created a web of lies and have a lot of explaining to do. There are consequences for work held out as factual when it is actually deliberately misleading and this may have further ramifications for the Publisher, film company and the Walkers themselves.

Sadly, we live in an age where truth is being eroded every day, mainly by politicians and media moguls or the ‘tech bros’. Where we come across it, I believe we need to oppose it and expose it for what it is. As a story, it’s heart-warming, but at it’s core is now a collection of lies which ruin its perceived purpose.

The Salt Path is even more salty2025-07-08T16:29:46+01:00

The Salt Path

Dominic Thomas
June 2025  •  3 min read

The Salt Path – lost and found

There is a new film The Salt Path based on the book by Raynor Winn about her own story. In essence, it’s a couple that loses everything, and I really mean everything, and decide rather impulsively to go hiking as a way to clear their heads. In an interview, Ray talks of the walk being a line and a map for them to follow step-by-step, having lost everything and recognising that the way through had to be one which was a planned route.

We quickly discover that this is an impulsive decision, not well thought through; in fact it’s hard to think it even vaguely wise given the physical shape that her husband Moth is in – walking with great difficulty due to a condition diagnosed (in the same week as being made homeless) as corticobasal degeneration (CBD), which I understand to be a Parkinsons-related illness impacting movement and cognition. Not ideal when walking a coastal path with unforgiving sheer, steep drops.

To call it a walk isn’t really accurate, it’s a 630 mile hike, with all their meagre worldly possessions carried in rucksacks or worn. It’s an endurance, though I am pleased to say that the story is not.  Rather, it’s uplifting and revels in the human spirit and our ability to endure hardship. Set in the familiar beautiful scenery of the West Coast, they walk along the coastline from Minehead to Poole, funded only by a few pounds in benefits that they receive.

Together we face some of the reactions to them as a homeless couple, often with a great deal of kindness exposed. I haven’t read the book, and the film is naturally an adaptation with heightened dramatic impact, but it seems as though they also lack any friends willing to help, which may not be accurate (I don’t know).

I wondered why and how they managed to lose everything (their home, money and possessions) and it would appear that they invested in a friend’s business which failed and their assets were seized by creditors. Clearly there is another story there, but it is something that I have been asked about numerous times … “I have a friend who has asked me to invest in their business, what do you think?”.

As a business owner myself, I can assure you that it looks easier than it is. The failure rate is exceedingly high and whilst there may be a sense of ‘self determination’, there is an awful lot that is simply beyond your control. Geopolitics, pandemics, recessions, technology, competition, legislation, climate crisis, social trends, economic reality all batter the best of businesses. Perhaps investing in a friend or family member’s business is a great idea, maybe they are the next Bill Gates (hopefully not the next Elon Musk). So perhaps some pointers…

  1. Can you afford to lose all the investment?
  2. How much of your overall wealth would be exposed? Would this scupper your own security if it fails?
  3. How would your relationship cope with ongoing involvement, failure or success?
  4. Are you an active investor (regularly involved with the operational decisions) or passive? And if the latter, is that really code for “I don’t know what I’m doing”?
  5. What experience do you bring that can assist, beyond capital?
  6. Have you understood the risk? Have you checked past and current performance of the business? Do you really believe in the future projections or are these hopeful guesses wrapped in a spreadsheet?

Most of us are not venture capitalists, which is what investing in your friend’s business means. However, a professional VC looks at hundreds of businesses each year and considers the risk/reward very carefully indeed. The Government must incentivise most of us to consider any form of VC investment – with 30% or 50% tax relief and the promise of tax-free gains (in controlled investment solutions like VCTs, EIS and SEIS). These are regarded as suitable investments for probably no more than 1% of investors (according to our regulator, the FCA).

Whatever Ray and Moth invested in, I am confident that it would not have passed muster with any decent financial planner, and a compliance person somewhere would be screaming that they hadn’t had their appetite for risk or capacity for loss properly tested and explored. I understand these concerns, but of course the irony being that even having lost everything, their capacity for loss was not exhausted, they found a way through, it was not ‘the end’. Today, they would be classified as ‘vulnerable clients’ due to illness and experience, yet vulnerability as humans is how we learn most about ourselves and each other.

Ray and Moth rediscover a purpose and the value of life and their relationship. I don’t know if they learned any lessons about investment, other than to avoid it. The film is charming and life-affirming with a couple of familiar good actors – Gillian Anderson and Jason Isaacs.

Financial planning is meant to be about helping you verbalise and clarify your values and goals, setting out the life that you want in your remaining years. We provide the pathway to help you assess the viability of them and how we might make things easier, less arduous and less taxing; minimising risks whilst ensuring you never suffer total financial loss.

Should you feel inspired to buy her books with a link here to Penguin, and here is the new film from Black Bear.

The Salt Path2025-06-12T10:12:36+01:00

Solomon’s bucket list

Jemima Thomas
June 2025  •  2 min read

Solomon’s bucket list

Our latest Spotlight edition is due to be arriving with you all shortly and whilst we appreciate the theme is a little ‘heavier’ than usual, it is an important topic that we mustn’t be afraid to talk about. Death and bereavement can often bring to light how we feel about the way we are living our own lives at the time; an opportunity for reflection and something of a re-set if you like.

Am I living authentically?

Is the life I’ve made for myself enough?

Am I “happy”, content or fulfilled?

If you’ve been a client of ours for any length of time, these questions won’t be new to you.  Our priority is always to ensure that your financial plan is aligned with your values, goals, needs, desires, sense of purpose – or your “why?” so of course you will have been encouraged to think about your long-term aspirations (financial and otherwise).

We sometimes feature holiday and travel destinations in Spotlight and in our blog, largely to inspire you with places we know are on many a bucket list, but for various reasons travelling is not always possible or easy to navigate particularly the older we get.  In our opinion, when ‘travel’ is no longer feasible, it is important to continue to have meaningful experiences that bring pleasure to you (and your loved ones) and create memories that you can look back on fondly.

We thought it might be interesting to give you a very small taste of some simple-pleasure-bucket-list ideas from the team here at Solomon’s. These are all largely doable experiences that we wish to complete this year (or in our lifetimes!).

All of these things give each of us a real sense of joy, which after all is what we’re all really looking for.  Life is for living.

We would love it if any of you would be willing to share things that are on your bucket list that are a bit ‘out of the ordinary’ – there may be things we haven’t even considered!  Please email [email protected] with details!

Live is for living
Live is for living

Solomon’s bucket list2025-06-05T16:04:39+01:00

Putting your Trust in your Pilot

Debbie Harris
May 2025  •  2 min read

Putting your Trust in your Pilot    

In my latest adventure, I took a buzz flight in a helicopter!

At a well-managed operation at Fairoaks Airport in Chobham, I boarded a helicopter and flew a six mile circuit taking in Woking and its environs from the air.

I’m glad I had opted for the five-minute option so that I could ‘test the water’ … as I wasn’t sure if I would enjoy the experience – but I really did and it was over far too quickly.

I had a marvellous time (especially since it was a beautifully clear day).  BUT – it was windy and in such a small craft it was a somewhat bumpy ride on occasion!

I would highly recommend it – stick it on your bucket list for sure …

As I stepped off the aircraft and was heading back to my car, it occurred to me that every time we board a vehicle as a passenger, we are putting our trust in the driver/pilot completely.

We hope that they have all the appropriate credentials and skills for the task ahead and we enter into passenger-hood without too much thought.  The helicopter pilot that day literally had my life in his hands and that’s pretty daunting (for me and for him I imagine!).  And yet I barely thought about the 637 things that could have gone wrong during that five-minute flight … until we dropped through a small air pocket and my stomach ended up in my throat …

When it’s all clear skies and plain-sailing; it’s easy to trust whoever is at the helm isn’t it.  It’s when the weather turns that all our fears and insecurities pop to the surface.

Trusting your financial adviser can be like that sometimes too … hoping against hope that he or she gave you sound advice and that weathering the storm is part of the process.

The majority of our clients have been with us for long enough to know that their trust is well-placed, but we have some newer clients for whom this is the first ‘storm’ they’ve seen with us. I hope that what you will find is that we are calm and patient and reassuring.  All the things a good pilot needs to be!

If you have any concerns or would simply welcome the opportunity to chat things through – please let us know.

Putting your Trust in your Pilot2025-05-27T10:52:26+01:00
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