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What a crock ...
"For those wishing to examine their woe further, the formula is [W+(D-d)]xTQ MxNA.
It translates as weather (W), debt (D) (minus the amount of money to be paid on your next pay day) and the time (T) since Christmas.
Then there is the period since the failure to quit (Q) a bad habit along with general motivational (M) levels and the need to take action (NA) to plan something to look forward to."
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skype = "adultdatelink"
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