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lol Those scared. Can we keep it on technical topic and avoid insults? People ask advice on a public forum they expect some perspectives and some of us just happen to keep tight books. We try to help look out for people man it's not negative. It's consumer activism, thrift and security.
I could care less about emotion it's a car and a loan (till the person get's the car then it's love).
The ballon is just a bad idea and it's a poor lending practice in todays economy.
That's just my opinion.
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