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You effectively have to make them talk," says Proust.
Otherwise, you effectively have the whole place to yourself.
You effectively have to trust the entire staff of the corporation that is producing your software.
If you can afford a live-in chef, then you effectively have more time than someone who can't.
And so, you effectively have to go through FINRA to get licensed to be a financial advisor.
It's a sort of shell which fits over the phone, and then you position your hands on the back, and you effectively have a Qwerty keyboard.
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So you effectively had a million people in some kind of detention in that community.
"I did find a situation in which you effectively had to resign in public very difficult, and it wasn't something I'd expected at all," he says.
The new pension freedoms means we are released from zero choice – you effectively had to buy an annuity – to a range of choices that for many will be completely bewildering.
"Owing (at least some) taxes on April 15 is a good thing," says Donald Williamson, a tax professor at the Kogod School of Business at American University in Washington, D.C. "You effectively had use of the money all year.
Behr said: "Even if you graduate and get a decent job with a decent salary in the UK, you will then want to buy a house and you'll effectively have two mortgages around your neck".
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com