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> 64 year old Joe Schmoe with average performance stats to get this expensive training if 24 year old Billy Bob with a 'young man's' performance record is also asking to get trained.

Even if Joe Schmoe has much better performance, it may still make sense to train Billy Bob. If training is truly expensive, and takes 5 years to pay off, odds are Joe is going to be retired at that point and it will be a waste of money.

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