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Reply: 1.1 From: Gail H (and what the hell are you doing posting at 4am in the morning!) G

Reply: 1 From: Gail H That seems right to me. Wraps may be lucrative, but you are a credit provider/financier, aren't you? Its really a different game. And you'd have to comply with the Credit Code etc. Definitely not for everyone (though I couldn't really argue with his success) Gail