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Remember when McCain had to lay off campaign workers because he was short of funds?
http://www.nytimes.com/2007/07/03/us/politics/03mccain.html
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July 3, 2007 : The presidential campaign of Senator John McCain, the Arizona Republican who once seemed poised to be his party’s nominee in 2008, acknowledged yesterday that it was in a political and financial crisis as a drop in fund-raising forced it to dismiss dozens of workers and aides and retool its strategy on where to compete.
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So you're dead wrong about the presidential campaigners - and that includes Obama - having no experience about having to meet a payroll.
Of course, if you're right about something ever, most of the elderly here will probably have heart attacks from the shock.