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.

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Music has always been my back door to life. It is important for people to find something that excites them. I like the concept that if you do what excites you you will be rewarded generously whatever form reward takes which is not necessarily money.