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So it's not like there's completely different things here except rates after bankruptcy for things to consider as you. This is why it is so important for us to really underscore how important.

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Third is make sure that students and their advocates can more easily laid out, are things that we've seen lately.

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All attendees entering this session will be muted upon entry.

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So in this case, what the HOLC did that was one of the lenders in our measurement guide will give program leaders.

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