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Its strange isn't it? Some people (I know not you) seem to take some kind of pseudo martyrdom, a completely misjudged 'I'm aright jack', or a fundamental willingness to not understand and/or bury head in sand approach to this, or something else I don't get it personally, very bizarre.

Apples and oranges and pears.

Could be more than that as the bit above £250k might be at 2%, rather than 5%, or less if that bit is >5%...