You must lead a very boring and feeble existence going back 2 years and quoting posts from then.
A lot has changed since then because of the GFC
In regards to your question
No i'm not paid by JD.
I covered that in a previous post. Seeing your so good at quoting me, go back only one or 2 posts and it's there in black and white.
what the...., page-31
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