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Capital Markets
I think it's also relatively natural that quite wealthy societies become complacent. When Rome got fat and happy is when things started to look really hard for them. I mentioned that we are an LPD in Ankylous Bangladesh. It used to be if you were a young, hungry entrepreneur in Bangladesh, your capital pool was pretty much limited to a very, very small group of local money. The terms were not offered anything like we offer them here in North America.