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Well in the case of Phillips, he's not fancied here, so better to let him go play elsewhere on loan until the summer when someone will buy him. If he does a good job at West Ham, they'll likely buy him. It puts him in the shop window a bit, which wont happen here. Also it's probably the decent thing to do for a lad who wants to get on with his career and has no future here, especially when someone is going to pay for him in the summer anyway. I doubt we're that worried about Phillips helping West Ham in relation to what we want to achieve this season. It's not like we're loaning Haaland to the dippers.
As for Cancelo, we clearly don't want him around the club, and he doesn't want to be here either. Best off letting someone else pay some of his wages and have him out of the way. Rather do that than have a bad attitude around the club.
I get all that, but if we wanted a player from West Ham it would be inflated-value City tax, didn't we want
Lucas Paquetá in the summer and they wanted a crazy price ? look good luck to Phillips if he leaves, But let's have Lucas Paquetá on loan until the summer with a view to buying