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Well, I thought at first that being independant would give you more freedom (like vacations, for example) but it seems that is actually not the case? I voted for the employee situation because for me a job's a job. Being self-employed is very appealing to me, but running a business is not, if that makes sense. One question, what happens to your assistant in these various scenarios? I think you've mentioned a certain loyalty and good relationship with her before--does she stay with the old employer and just get reassigned, or would the bank hire her as well as you...?
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