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This means that any reform will inevitably involve some patients losing out; in effect, robbing Peter to pay Paul.
Andrew Kennedy, of accountants KPMG, said: "Those people who have been robbing Peter to pay Paul - transferring balances from card to card, remortgaging and taking equity out of their property to pay off spiralling debt - are fast running out of options.
Judge Mark Brown said: "It might be said you were robbing Peter to pay Paul.
Citizens Advice Cymru public affairs officer Jonathan Edwards said: "These cuts are a case of robbing Peter to pay Paul.
Such a policy has been lacking in the past, but its introduction will ensure that this council provides improved services and gives value for money to its council taxpayers - as opposed to raiding the council's balances and robbing Peter to pay Paul at every opportunity, as has happened in the past.
Robbing Peter to pay Paul is not the answer for the people of Cardiff and our many visitors
Caroline Goodwin, defending, said: "This was a classic case of robbing Peter to pay Paul.
Webster, aged 41, who found fame as Arthur Daley's sidekick in the TV show Minder, said: "I've been robbing Peter to pay Paul for years, so it's finally caught up with me.
It was and still is a case of robbing Peter to pay Paul.