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Above all, steer clear of secrecy! Keeping insider secrets from accountable members of the family, advisors, or The federal government provides a propensity to backfire. I’ve made my most important errors in the final ten yrs by wanting to maintain secrets and techniques from loved ones.

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. Fourth, in an effort to gauge the performance of the macroprudential procedures that happen to be the focus of this paper, we incorporate a set of variables intended to seize the effects of maximum LTV and DSTI ratios, hazard weights, provisioning, publicity limitations, reserve and liquidity needs, and taxes and subsidies relevant to housing. The vector of coverage variables is denoted x

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Our regression specification for housing credit growth is analogous on the housing rate regression, but substitutes housing credit expansion for housing rate growth: exactly where Δln

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