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Here is Santa right off the saw and ready to be contoured. We saw a similar pattern in October 2008 after the September crash. In the case of refinancing, that has tended to peter out about 3 years after the last new low in interest rates. The US has been for the last several generations, consumer-driven. Theyve been buying, and that was before the big downturn in the last week. Ive been meanin...
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