”Benny answered, “Half of it was not having to deal with banks. Let’s face it, we didn’t have a credit rating to line up a loan for a substant...al amount. We had to get my Dad to cosign for this place because we weren’t old enough to sign for a mortgage. Now we have a credit rating, and we’re officially adults.“We can still close on a property faster by paying cash for it. We don’t have to wait around for approval on a mortgage. This isn’t like 2005 when you could get a mortgage if you could. Headmistress Downton continued the address:Several years ago chaos and mayhem ran rampant in the halls of Fairweather as the tradition of hazing freshmen boys and girls was taken too far. Not that the quality or degree of humiliation was too great, but the number of freshmen being put through embarrassing and degrading trials was so high that we, your guardians and mentors, found it nearly impossible to keep track. In those days the hazing of fresh-meat lasted a full month and every first year. More

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