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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