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XXI: It's easy to get a loan unless you need it. XXII: If stock market experts were so expert, they would be buying stock, not selling advice. XXIII: Any task can be completed in only one-third more time than is currently estimated. XXIV:

Elaine Stewart

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I never deny, I never contradict. I sometimes forget.
Disraeli Benjamin

deep thoughts of brillyant genius of human history
Elaine Stewart
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