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Penny Black's Insurance Week

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As X-Factor fever reaches its Christmas crescendo Penny is drawing up a list of things she'd rather do on a Saturday night; washing her socks, watching paint dry or an evening of the library all have more appeal.

As X Factor fever reaches its Christmas crescendo, Penny is drawing up a list of things she'd rather do on a Saturday night; washing her socks, watching paint dry or an evening at the library all have

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