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Having problems collecting money from your debtors? Look at it this way – You like to read the daily newspaper in the morning, but you are short of cash. You say to me “Sell me today’s newspaper and I’ll pay you tomorrow”. So I make the “sale” and you become a debtor. Tomorrow, you want the newspaper again, but you only have enough money to pay me for yesterday’s. Which is more pressing, seeing today’s newsaper or paying for yesterday’s? You’re too embarrassed to come to me, so you go to another newspaper vendor and ask for today’s paper, telling…

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