Two-tier fears in pensions battle.
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I believe that in the not too distant future--in 10 to 20 years--the single-handed practice as we know it today will cease to exist. Even in today's market, 25% of practices have either closed due to an unsaleable commodity or have taken two to three years to sell and at a seriously reduced price. This thought alone should refocus the mind as we continue into the 21st century.
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