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Looks like I hit a nerve. I can't help but notice that you conspicuously avoided addressing the explanation I've been hearing for the commercial real estate problems:

> landlords either want to bet on a recovery or agreed to credit terms that would cascade a single write-down

and instead substituted two theories of your own, one of which has nothing to do with commercial real estate and the other of which has zero explanatory power for "why now." We can get to those, but first could you explain why you think the explanations I've been hearing are wrong?



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