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61. Marketplace deflation. 50% drop in prices for that areas. Builders confidence index is at new affordable. Many, many layoffs Many housing and commercial loans written on adjustable of interest terms during 2005 to 2007 are coming up for their rate reset or coming due and payable. Many may not qualify for one whole new loan maybe able help to make the new higher sequel. The Austrian school of economic thought says each and every time irrespective of how a mania with credit infl