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@Prole.
What Phil Gartside is conveniently ignoring is that Bolton were already massively in debt before they were relegated after years of living beyond their means in the Premiership, chasing European places with BFS and paying out big wages for players like Campo when in reality they should have been building slowly with the money they had at the time. Relegation was obviously going to be catastrophic in such a case even with parachute payments and a massively reduced wage bill.
I'm sure Stoke could be in a similar position should they be relegated.