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Old 9th Jan 2011, 11:11
  #12 (permalink)  
sargs
 
Join Date: Feb 2008
Location: Not quite where I'd like to be
Age: 65
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you should keep one of your ELC's back for when you leave as you can use it then.
Yes you should - if you want to pay tax on it. Of course, you could use all three, tax-free, whilst you're still in.....
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