Small changes add up faster than most people expect.
The change has been coming for a while, but it only became obvious this year.
Where to go from here
The exceptions matter more than the rule, and there are three of them. The figures move about, but the direction has been the same for three years.
What it costs
The exceptions matter more than the rule, and there are three of them. Most of the confusion comes from two terms that sound alike and mean different things.
Whatever you decide, write down why. The reasoning is the part you forget.
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