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That was a really, really stupid thing to do.
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When the crash came, no major brokerage firm was bankrupted, because the brokers managed their finances in a conservative manner.
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Malcolm Hurlston, the chairman of the Consumer Credit Counselling Service (CCCS), predicted there would be a small rise in IVAs and a quite substantial rise in bankruptcies.
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Nothing you've provided addresses that validity whatsoever.
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