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Okay Hank Greenberg - let me explain how this loan thing works
When you are desperate - you get a bad rate
When you are broke - you get a really bad rate
When the guy lending you the money looks at your record and sees that you created your own mess - you get a REALLY bad rate
Oh and I see here that you are 98 years old - the schiesters feast on old people all the time.
Okay there is your life lesson - not get out there and pull yourself up by your bootstraps....oh and don't be one of those sadsacks who depend on government handouts.