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i agree with everything you said except this. the last crash was the tech crash - in 2001

affected - yes and no. yes - no one want to lend to me, where 18 months ago i was " borderline not needing lo-doc" to "show me 3 year's financials + BAS + outstanding commissions + letter form accountant + 40% equity + a legal team to assess your application with no guarantee of an outcome"...