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I don't think you need to be rich to replace a 5 year old helmet. Mine looks awful after only 3.5 years of all-weather use, I think it won't last too long for me. (spending $250k on education is a different matter, if I did so I'd better hang a rock on my neck and jump off a bridge as I'd never be able to pay back the debt - ok, it's a different part of the world...)
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