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My Lord, For the vast majority of people it does not exist at all. It is simply unaffordable. That, together with the risk of having to pay the other side's costs, which can happen for a number of 'innocent' reasons, makes me give my clients some very stern advice, and ask for lots of money up front, in an attempt to dissuade them. And I know there is little chance of getting any out of them if they lose.

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