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But this happens in all lines of business, Anon 8.38. When I started i did quite a lot of investment work, but that went away with the FSA, 1986. So I had to turn to something else. That's life. A plastic bag manufacturer went out of business earlier this month in Lancashire because of the bag charge. Railway workers were made redundant when lines were closed. North Sea oil workers have been laid off due to the oil price fall. There is no God given right to a lifetime income stream.