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Jamie Evans, Sharon Collard, Ellen Fruijtier, Hayley Dawson, Luis Campos Ferreira, Eric HarrisSupported bynote that some PDF files cannot be made fully accessible to all screen reader software. If this document is not accessible to you or you would like to read it in a different format, email pfrcmanager@bristol.ac.uk or write to us:This report was published by the University of Bristol, September 2023.Personal Finance Research Centre, University of Bristol, 13 Berkeley Square, Bristol BS8 1HB

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