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And on several of them have said, we would not be opening new manufacturing facilities in the United States if there was no possibility of xm support for expouts. That would be too risky to have u. S. Manufacturing here. First solar, a company that does solar panels, manufactures in the United States and malaysia and he said without the xm bank labor costs have been pretty much the same. U. S. Actually has higher taxes but without xm bank he would shift more manufacturing to malaysia. So i think that well see some irrevocable changes if that happens. The threat of it is enough to make manufacturers think twice that this is going to be, on againoff again continually, as hard as a businessman, i was a businessman, to make five and tenyear investments when theres so much uncertainty. In the brief amount of period of time we have left, im fascinated to know how youve plibed such a low default rate and low loss rate. Can you express that in 25 seconds . How do you get that . Well, first of

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