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RAF

Happy Belated Birthday! :D I understand what you mean about age and pace. I guess I am grateful at my relatively young age (26) and my realizing the things you mention about basics and...

thanks RAF.

you said "....if you start in your twenties...."

so if you are older you won't get the benefits you mention?

anyone have a link to see baji in application?

those forms look great indeed. just wish i could see some apps.