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In response to "for sure that. but what I said too. do you owe more? or do you just owe it at a different time? it matters. -- nm" by amanda

From a math standpoint, it doesn't matter. But from a perception standpoint, it's huge.

if you are told that people are going to make more money; and do...and then get hammered at the end; it feels like a bait and switch.

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