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[[top margin]] hyp. - Rick - [[?]] 19 have forbidden or investasi handes [[/top margin]] blended 12, no longer 15 + 3 cabang [[two arrows pointing down]] inv mk 5% 17% [[ arrow pointing up next to cabang]] 17% [[ next to arrow]] UD savings they may feel ban they perceive INV as riskier + prob. true traders can switch commodities, but if invest in equipm. can't KIK does much worse on repayments than KMKP- investment loans tend to