As Fiona enters sixth form, Geoff and Suzanne would need to start moving some of their gains into cash - so that as she starts packing for the first term at university, they have enough in cash to meet their anticipated year one expenditure.

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Finally, look for an anticipated drop in social housing expenditure to affect adversely U.K. home builders such as Bovis and Taylor Wimpey.

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The decreased operating profit is a result of the seasonal increased marketing expenditure leading into the holiday season and expenses related to the anticipated opening of new salons in China during early 2012.

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