the actual effect of Kamala Harris's cop ass proposal would be to shovel more people into category 1, though, since right now being late on non-finance shit mostly doesn't show up until it goes into collections and in her scheme it'd be a huge, lasting black mark at 30 days late
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Actuary tables and net-worth of relatives is where it is at.
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Sounds like you're ready to start a mortgage brokerage
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