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Most individuals have a desire to save and accumulate.
This is usually instilled early in life. The motivation can vary from a wish to be as rich as Croesus though a wish to being just comfortable through to an urgent need to stem the ravages of increasing debt. As a society we have moved on from the degradation of debtors prisons. Nevertheless bankrupcy blights for many years and severely limits the possibilities and enjoyment of this magical world we all share. The days of banks introducing selected customers to brokers who in turn dealt through jobbers on the floors of stock exchanges have long gone.