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JCCIII's
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Jeff. Thanks for the response to my concern. You are right; all involved have been punished to some degree. As much as I hate to admit it, I think the answer is that more regulation must come with the government money; common sense requirements, such as, that people who take out loans must demonstrate an ability to repay, management and employees of loan companies are accountable to the share holders for the loans they make (perhaps by making a significant portion of their salaries shares of stock that cannot be sold for 2-5 years), etc. Again, thanks for the response.
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