great stuff
Couldn't agree more that this should be a sticky thread at the top. Most of what we regulars always say to the newbies and finally it's from a genuine accountant. No more excuses folks !
My only comment is that you'll find people asking "how close can I sail to the wind" and expect serious anwsers ... and the odd person who always reply "the IR are crap, you can take the p1ss no problem".
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