The unbanked do not have access to such luxuries as standing orders, which richer people use to overcome the temptation to spend whatever they earn.

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In many ways, it was a brave choice, because the match was sandwiched between the two legs of the UEFA Champions League semifinals Real hosts Bayern Munich on Wednesday, needing to overcome a 2-1 deficit so the temptation to rotate and give some guys a breather was undoubtedly there.

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