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WOW... telling people to start of at 1% and work up to me is a BAD FA...
They should be telling them that at least put in the 5% to get the matching NOW.... that it will grow quickly... you will only feel pain a short time before you get used to the new number...
As the cell phone questions demonstrated... people pay a huge amount of money on stuff they don't need.. they can cut back some and not notice it in the least.
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