RE: The five percent difference
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I think that regarding the question you raise at the end, the most important thing would be to find a balance or style that allows us to enjoy life while also being thrifty. The two things don't have to be contradictory, we just need to avoid excess.
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Yes. The balance between two points is the most sensible, and ultimately the most inclusive. You're absolutely right. We're not always at one point or the other. Thank you for your comment and for sharing, Soul!
have a nice weekend 😊