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A very well made point which I have not seen made elsewhere and had not occurred to me. You could be absolutely right - perversely more people with the lower mortgages may have more disposable income for the reasons you give. This just underlines how complex and counter-intuitive some of the underlying details are and why this whole area needs a good solid piece of work doing on it before T&R / all Deputies can be in a position to be able to reach a conclusion (and certainly before annnouncing a (presumptive) decision!)
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