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Very interesting tale <a href=" http://www.sharonlevy.com/artpages/write-an-essay-online.html#vessel ">help i can write my essay</a> Thanks in significant part to refinances, banks are booming. But, as mortgage rates increase, the pool of refinancing applicants vying for a bank's attention will diminish. To compensate, banks will have to fill the pipeline with new business to sustain record profits. The likely result will be an expansion of credit as they look to bring in new customers, and credit guidelines will begin to loosen up again.