But that question requires more than a one-word answer.

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We have attempted to email them and correct them that we actually did click the tell a friend button over 500 times (with more than one email in it every time) but they have refused to answer.

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But now, we have a new champion although one who will probably answer the question with considerably more glee than the poor air-pumper.

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The answer, at least for judgments of more consequence than where to take one's next holiday, is that the effects are real but mutable.

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The fact that you are not likely to be using the money for at least eight years would suggest that you should be able to take slightly more risk with it than simply leaving it on deposit but that is one for you to answer.

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But rather than just give you the answer right away, QAMA asks you for one more step: you have to estimate the answer.

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And, paradoxically, it reveals more about the one asking the question than he or she can hope to gain from hearing the answer.

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One answer is that the new Labour government expected more credit for sounding so much keener than its predecessor on the single currency.

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One answer could be that banks have simply been forced to be more transparent about their losses than hedge funds have been.

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