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Mauney view is that europe is going to continue to constitute the primary press to the Global Economic recovery in the year ahead and i simply dont i can understand the reasons why they want to be optimistic but i dont think that there is a real basis for being as optimistic as the europeans are on their economic outlook. Thank you. Thank you, desmond. Chris . Thank you, alex for sponsoring this interesting session that we have been having for quite a few years. I think it is extremely important to note how much time has gone by since the break in the house in housing bubble. Im going to comment on the housing side what is or is not happening in the Banking Sector and then finish up talking about the fed and some of the objectives of qualitative easing. The reason is one of the three criteria is in keeping Interest Rates so low is to encourage credit creation. The mortgage industry traditionally has been the primary, a year built for Monetary Policy. A drop rates, borrowing costs go do

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