One answer, says Mr Lindbeck, is that so many are dependent on the state: some 30% work for it, and a bit over 30% receive transfer payments.

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Nowadays banks are making the math a little bit harder, since 0% transfer fees are becoming much less common.

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The guards were somewhat less successful at blocking heat transfer, as I experienced a little bit of toasting on my thigh when I was stuck in traffic, despite a mild, 70-degree riding day.

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There are challenges and the majority of their cash is located overseas from their international operations, and to transfer it back to the United States would cost quite a bit in taxes.

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But Dalglish, whose first match after succeeding Roy Hodgson was Sunday's FA Cup defeat by Manchester United, insisted that a change of luck was every bit as important as any attempt to bring in new players during the January transfer window.

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