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If you're selling Bentleys, 2009 might not be your year. Almost everyone is changing their spending patterns, even those at the very high end of the income scale. But while high-net-worth (HNW) individuals are still likely to be affected by the financial climate, they have a lot tied up in their valuables and aren't selling off their assets - not yet, at least. While they might pass up buying that new luxury vehicle this year, they still require specialist products and advice from

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