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these aren't the 2nd tier lenders (tho I would like to hear more about that? from what I have seen the 2nd tier lenders are in fopr the kill and they aren't taking prisoners). I am talking about these banks that have been bought out by the majors. i just couldn't get my head around why...

I have heard that the price that the big banks end up paying for the likes of SGB and bankwest gets adjusted by all the non-performing loans. this explains why the minor sub banks are sending developers to the wall left right and centre. It's such a disgrace. thankfully my loans didn't happen to...