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... a function not only of Charming, although that will be contributed in the fourth quarter. But also the files like HSN and some of the others that we added in the third quarter of last year will certainly be part of the ...
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... other clients primarily because the credit quality across the HSN base is quite diverse and the spreads are quite large ... we do not target subprime, the prime sector within HSN that is of great interest to us would yield ...
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