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trend, you would think that lenders would be more
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comfortable with the bottom line,
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that they'd be able to get their money out.
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And borrowers, if they think,
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"Hey look, I'm buying a house,
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I'm putting every dime I have into it,
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but the trends look pretty good,
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I should get my money
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Then you ought to see a positive relationship
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between past price increases and applications,
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however you want to slice it.
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Somebody mentioned--you mentioned leverage.