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Sometimes the cash advance rate, which can be higher than 20%, will be applied to any outstanding balance. 2015 was a great year for CalMac Culture, Music returned and found eight great stars who went on to battle at King Tut's for the chance to play at some of Scotland's best summer festivals. ??The whole coast, smaller and quieter places can be accessed by car, and some of the holiday resorts allow non residents to use their facilities and beaches.