not having the courage - to ask someone on a date, not making up - after a family row, settling down - with a partner too soon, missing out - on an investment opportunity, choosing the wrong - career path, having been mean - to a sibling in one's formative years, taking up - smoking, not giving quality time - to your children, turning down - a job offer, not standing up - to bullies, not paying into - a private pension plan early enough, not taking studies - seriously, buying a property - that has decreased in value,

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