User:Francis Santos Bombay

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I am Francis Santos, born and brought up in Bombay, Maharashtra, India, now living at Udupi in Karnataka, India. I am an Accountant by profession, took retirement in 2011 and now enjoying my retired life with my wife Helen. It has not been a bed of roses for me, struggling has been a part of life, came through all of it by God's Grace and my wife's support.

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