Lots and lots of people are millionaires if you include the values of their property.
Bill
Lots and lots of people are millionaires if you include the values of their property.
Bill
In your context, what does "effectively" mean?
It seems to mean "not at all, but I feel like saying so".
How else would you calculate it, Bill?
It's OK anyone else to do it, then?
Investment fund manager?
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