Oh, don't get me wrong, I'm holding strong and don't feel in any way dubious about that. But I've been in the pennies a long, long time and let's be honest, it can be pretty unpredictable and hairy down here. Pennies are not for the faint of heart, nor should they be played with borrowed money, or even with needed household budget money. Those are my personal convictions. People can do what they want. I was just sympathizing with frustrated.
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