What nobody has written for people like me, so I am writing it Writing it down partly to work out what I actually think.
Regional question, because I have read a great deal of advice that turns out to be true in one country only.
The language of the paperwork is part of my difficulty and I would like to know whether anybody has found a way round that.
I have read the guides and they are good, and they are necessarily general, and my question is entirely about local specifics.
If you are in the same system, I would love to compare notes, even just to know I am not doing this wrong.
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