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One could argue: * Bad debts (from the last couple reports I remember reading) no longer increasing - yes, if they've written much more residential business over the last year then the $'s involved may go up, but not necessarily % of the book. * Competition almost obliterated during the GFC...

Buying into them (well one actually) the last couple weeks. Nice dividend, great tax credits, good business expansion plans - I like. Days like today can present good opportunities to top up, "oh no, Goldman Sachs is going to get a slap on the wrist - sell sell sell!" :D