Sorry it's so long, but there was masses of stuff to cover!

As usual these are just my personal, strictly independent opinions. I don't take any money from any listed companies, as my views are not for sale!

Please always do your own more detailed research, because our views are certainly not infallible, and we only do quick reviews. Also we're not time travellers from the future, so we don't know what the future holds, it's just guesswork for everyone.

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