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All of those people are worth listening to in their own right. I prefer listening to what they have to say when they're not influenced by Margaret's pov. There are times when they need to have the guts to speak from their own experience and not simply echo what ML says. I love ML but sometimes...

Looking back, some recommendations of hers were not the best. She seems to have changed her tune on some things now - maybe she got beaten up by her colleagues who are actually the experts. She now talks about IO loans with off-sets; not X-ing; and doesn't seem to mention buying sight unseen...