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    Mismanagement & social policy that leads to debt. The social legislation/policy of sub prime mortages started under Clinton, with cleverly bundled up debt, THEN sold on, hidden from balance sheets, not identified by FSA.

    Equalities legislation was then applied to banks to stop debt being called in and more debt sanctioned.

    Could go on Bern, but we need some fun in life.

    Watty

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