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I am not sure. I want to say 'Jane's and Sarah's etc' but the 'etc' being both's, is it written 'Jane and Sarah's etc.'? And is this always the case or are there exceptions?

Thanks

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First start by referring to the linked question (possible duplicate).

The singular use of philosophy suggests that this is a shared (or joint) possession and only the final possessive inflection should be used. If they are actually distinct philosophies, then you should show the possessive inflection for both, but philosophy should be pluralized, also.

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