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Are you fully qualified to answer questions of a personal nature, UTR's ?

Only BBH told me that he had pukka qualifications from the University of Wapplng - only cost him two days studies, and a tenner for the certificate :)

I may not be qualified as such but have most likely been in every kind of life situation and taken the wrong turn and suffered the consequence of my actions. I have a raft of experience in what not to do in a likely situation.

The old saying goes if in doubt don't, well I'v always been an if in doubt then sod it, have a go anyway...