I fear that the rising personal bankruptcies and repossessions are the first signs of bigger problems to come and personal debt – Gordon Brown's legacy to millions of Britain's families – will hang like a millstone around the neck of the British people for years to come.
Try a thing you haven't done three times. Once to get over the fear of doing it. Twice to learn how to do it. And a third time to figure out whether you like it or not.
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The thing about youthful offenders is that no one seems to care about them. Most people don't like adolescents – even the good ones can be snarky and unpleasant. Combine the antipathy we feel toward the average teenager with the fear inspired by youth violence and you have a population that no one wants to deal with.
