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I support the idea of leaving out of equity however, I also believe that there is not right or wrong answer here. It will be based on each individual risk profile and how risk or its perception is managed. At the end, I think, we have to do what's right for us. I also understand your concern...

What have changed since last time that could make you think this could not be any more an option?. The economy goes in cycles and property is not inmune to that. Thus, it shouldn’t be an issue as long as we understand that and take the due "precautions" and actions? Cheers, James.