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Never. It’s not required or I don’t have the cash. [13 votes] (27%)
 
One, maybe twice a year as money is available. [19 votes] (40%)
 
Three to five times a year. It helps me keep ahead. [12 votes] (25%)
 
Six or more times a year, as often as I can get away. [4 votes] (8%)
 
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