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There are more trade-offs to make.

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Well, I think we are undoubtedly, Dave, it's because you were talking about their experience with a derogatory status. But the founders of the "race banks" viewed such institutions as essential for economic development and wealth creation!
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And so having something like that can.

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When thinking about this.

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That might not necessarily do this.

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Are 20% less likely to borrow by taking.

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