In addition to that, Machias Savings Bank may have known your family for 50 years. Now, on top of this, Mr. Speaker, the bank takes all the risk. They own the load. So, God forbid, if a storm comes up and sinks your traps and your boat in the harbor and you can't make those loan payments, there is no risk to the market because the bank owns the loan. I ask everybody, Mr. Speaker, to stand up and show compassion for the folks around this country who want to buy a home and do qualify for these loans.
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