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    You are ignoring the key points I was making Mark - the climate in which the credit boom occurred prior to this recession was entirely of the making of Gordon Brown's and his ill-considered policies. He changed the balance between saving and borrowing for the worse and I gave you the specifics and the terrible impact they have had.

    These are issues I deal with professionally every day and I lived through these changes in my work and have seen the impact first hand.

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