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Even the government can't borrow at zero percent, the most creditworthy consumer carries a higher risk than the US Treasury, so you are going to pay at least a couple percentage points more than that.

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    "I'd rather be hated for who I am, than loved for who I am not."
    • A. Franklin Pierce
    • B. Kurt Cobain
    • C. Michael Jackson
    • D. Vincent van Gogh