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Remember Storm Financial? That was precisely their response to any query re any possible price drop. They used charts going back to the Great Depression to demonstrate how robust their theory was. Maybe they should have used charts going back further, LOL

Sheryn, These are meaningless, faceless predictions of no import.

Anything that wipes out equity like 10% for 90% LVR? That wouldn't matter if it was a "flash crash" so, Yes, there would need to be 5 years no growth combined. IMHO