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scott cadger, head of underwriting and claims strategy at scottish widows, said the industry needed to do more to educate the public on the merits of protection insurance. . .

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6 unexpected products you should probably avoid if you love animals .

unions clash with steel pension trustees over payouts .

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twins linus, left, and maarten have more sweat glands and tooth precursors than their older brother joshua, 5, after being treated with a drug in utero. .