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Dear FutureMe, You're sitting in the garden of your island home, the trellise of blooming vines casting dappled shade onto your tanned limbs, the tinkling fountain in the lily pond and occasional jumping carps the only sounds that break the peace. You have cleared all your credit card debts and built up an impressive portfolio of properties and shares. You're now enjoying the fruits of your labour. Your family and friends are settled in properties of their choice, and in businesses and careers that they enjoy, that you have helped to set up. You're at the top of your chosen field. You're feted wherever you go. Your name is in Who's Who. Presidents and prime ministers and academics and film stars and men and women on the street take pride in being counted as your friends. The housekeeper and maids are busy setting up for nightly parties in the big house, while the battalion of gardeners are pruning and watering and keeping the gardens and plantations green and spruced. The guests are settling down in the guest rooms and guest houses, and descending in helicopters and yatchs. Have a great party.