While the amount will not be diversified, it will receive a guaranteed rate of return, which could be an average of prime rate plus 2%.

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To work out whether there could be anything in it, he looked at the average amount of added time for the second half of every match.

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Britain has just weathered floods and storms in a wetter than average winter, but experts are already warning that it could be a very dry summer.

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The direct impact on average revenue per user is difficult to forecast as it could be a mixed bag depending on how the adoption of new pricing pans out.

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And given how far and fast UK house prices rose in the boom years - trebling in the 10 years before 2008 - and how relatively little they have fallen since (less than 20% on average), it is hardly surprising that banks believe there could be some downside in this market (to use the ghastly jargon).

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