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Have you ever made a loan? Perhaps to a family member or a friend, or as an investment to small business or a colleague. When you made the loan, you likely had an understanding – an agreement – as to how the loan would be repaid. Now imagine that loan was not repaid . . . what would you do? Would you try to get repaid? Now imagine that after losing money due to non payment, YOU became the bad guy. How could this make sense? Well, it probably doesn’t. But this is exactly what’s happening in this time of the
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