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People could choose to pay less than even the interest that was old all of these things allowed more and more people into the ownership for real estate so this is a very different decade a price millionaire blueprint system  increases in the seventies it was driven by inflation and the eighties it was more driven by interest rate did reductions and migration and in 2000 it was really driven by creative loan products and that we benefited by all that for the time being and unfortunately the pain of giving it backs it was been pretty severe on the next page you.

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