If you really want to go overboard, you could always combine the two tax-saving strategies, as Michael Ellis has.

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Firefighter Michael Ellis was one of the first people on the scene.

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Things are also looking up for the 800m boys and you never know, Michael Rimmer, Sam Ellis and Michael Hill could all reach the European final, which would be the first time in a long time for British athletes.

BBC: PULLING IN THE PUNTERS