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Credit Crunch FTSE ISA allowances Investments Quantitative easing Recession Woolworths absolute return annuities bankers banks charles ponzi fifty financial services ombudsman fred goodwin going long house prices impaired life annuities inflation interest rates investment isa life expectancy low interest rates marooned mortgage negative equity pension commencement lump sum pension limits pensions poor health retired retirement retro robert maxwell saving short selling targeted funds tax free cash 1929