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Questions:

1) What are the differences in the financing sources from smaller to the larger FI?

2) In your opinion, could we consider various REITs as being a part of the mutual funds industry?

3) Class, with Wells Fargo entering back into the subprime market do you think that more zero down options are inevitable or will the market stop short of this type of program?

4) Class, do you think that REITs and direct ownership are similar enough to be substitutes in a portfolio? Would you suggest starting in a REIT and then graduating to direct ownership or are these not related?

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