The problems with MP3 beyond the poor content of music and books include technical shortcomings in the players.

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Simple as they are, the books cost more to put together than many of these poor uneducated women can afford.

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Meanwhile she makes riches out of everything to hand: from the life of the village, its craftsmen and labourers, to the poor weavers of nearby Carlisle, and so on out to the world of books and literary and philosophical societies, all set against the Cumbrian landscape with its Celtic and Roman remains and discoveries of an even stranger fossilised past.

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But keeping these debts on their books, and so continuing to favour existing long-term but often poor-risk customers, is choking off bank credit to those firms which could actually make good use of it.

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It earned the label "poor man's tennis" because pieces of wood, or even even hard-cover books, were used as rackets.

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