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Dude, its like you suddenly woke up and got the joke after everyone else left the party. Basically, yes but there's a whole load of other stuff too.
If you check back, we've all been debating this shit for like months.
If you want to blame someone, blame irresponsible banks and irresponsible government. Feel sorry for joe blogs on the street who is gonna suffer a great deal because of their foolish mistakes.
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