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So in reality not too different at all ( in my view) ............. post GFC, sure lenders have been a little more careful to ensure rtn of capital.........but pre gfc in the heady days of Seizure Style Home Loans, the funders truly didnt wanna know I do agree that it should have been obvious...

this is pretty much the same as any biz person thats being wound up by a lender : ( .............more complex sure, but an interesting insight ta rolf