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 Don't forget the huge number of Alt-A and Option ARM loans that are going to be resetting over the next two years. Just as the subprime loans are running out, the Alt-A and Option ARM loan resets are now are ramping up and they won't be done until the middle of 2012.

True, to my knowledge. And there are still lots of risks which we haven't mentioned here. It can take five to ten years before the economy grows steadily again, from the expectations I have read. But then, there is no precedence for what is happening here. Noone can make reliable predictions. Could be over earlier, if the banks start trusting each others again.

A ship in port is safe; but that is not what ships are built for.
Sail out to sea and do new things.
-"Amazing Grace" Hopper

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