After tightening greatly during the Great Recession, small business borrowing had been becoming more available.

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And with 17m people already in private pension schemes, small changes can add greatly to costs.

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Here's why that matters so greatly: When we get down to this small size, the classical laws of physics change.

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While the amount of savings can differ greatly for a renter of a micro-unit versus a small-home owner, cost-effectiveness is definitely part of the equation in both models.

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