Otherwise the decision is left up to the patient's preference, McCarthy says.

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In other situations, the decision about how to reach a particular destination may depend on personal preference, such as the traveler who chooses to take the train to work instead of a car.

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Rather, the decline is likely a voluntary decision by consumers to take on less debt and could signal an increasing consumer preference for debit cards.

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"Our preference would've been for a town centre location but I think a decision needs to be made and the traders, and John Lewis need closure, " Mr Roberts added.

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