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Mike: That was then, this is now, this is a very dynamic environment and you really have to keep up to date and work with current information. So what I'd like to turn to now in light of having thought about that for the month and thought what advice I would like to give all of you guys in terms of communicating for loan modification success, let me take a minute and really outline two areas. The first one is understanding the lender, and I call the lender your adversary. Because in this sense they really are. Yeah, you invested together and yeah, you were partners and all this stuff.
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