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Don't forget the 20,000 govt. houses that were empty because they are in need of repair. :)

The uneducated masses on the subject don't tend to fix their rates. That's why we hear all the sob stories in the media about them all losing their houses because rates keep going up. "If rates keep going up we're going to be out on the street!" THEN FIX!!!! Don't expect them to learn this...