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"But....depending upon your really don't need gazillions....." telegraph

Besides which it is possible to adjust up or down depending on how you are doing. It's not like you don't have some control. They have a name for that in economics (forgot what it is called) but it's like if one thing gets expensive you substitute something cheaper, like if potatoes go up in price you start eating rice, or vice-versa, or noodles, or something to that effect.

Or to quote my mom, "you have to know how to skin the rabbit."

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