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And it`s not even really starting, these are only the predatory loans and the first flow of ARM`s, The timeframe is almost 9 months from distressed until auction and the banks are holding back and only letting a trickle go to market as to not flood the market, The major action is set to happen at the Q1 2009-2012, gonna be some real deals then........ bury that head and accept denial...it will get better...... in 2013

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