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    The Usage of 'say'

    I'm a student learning English.
    could anyone can help me about the usage of 'say' in the following situation.
    'You should arrange a direct debit when the amount you pay varies, SAY for your monthly gas and electricty bills.'

    Does 'say' used here as formal English? Why not use 'for example' instead.
    Can this usage personalise the text?

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    Re: The Usage of 'say'

    The "say" is used informally, in speech, only.

    One would not use "say" in a written format.

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