"That will need to be paid off at some point," says Quilter Cheviot's Ben Barringer. "Having more debt means you've got more burden, and that means you've got less to spend on content."
James Arthur Lovell Jr was born on 25 March 1928 - just a year after Charles Lindbergh made his historic trip across the Atlantic.
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Baroness Kidron told Nick Robinson a ban social media for under 16-year-olds was "not a silver bullet".