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As usual, E, there is some fact mixed in with your fiction. Many of your cited economic factors are correct, but there is the persistent disconnect that is so prevalent in your conclusions. I�m not going to address all that. I guess anything can happen. It could snow on Pahokeeno today couldn�t it? What do you think the odds are? <<Couple that with tremendous new capacity to originate>>Now, E, I want you go to the blackboard and write 100 times: �Origination capacity is very elastic�ridin