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bbg, Thank you for your comments so far. My comment "credit=equity" was really my interpretation of your use of "credit". In the original context used, "credit" was unclear to me. You convert equity into IPs. That is also what the cashbond does. The beauty, as I understand it, of the...

are we all talking the same thing? bbg wrote To me, credit = equity. If you run out of credit, you can't buy a cashbond. And by definition, if you've run out of credit how can you borrow more? and later wrote Low income. Yet every reference to bbg's income figures is to "taxable...