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The expansion into this line of business could result in the need to enter into potentially complex financing arrangements, resulting in the need to manage those relationships and the potential interest rate risk and credit risk associated with them. We would attempt to mitigate the credit risk of the portfolios by selling large percentages of each purchased portfolio to outside investors, thus allowing us to purchase small percentages of many portfolios instead of larger percentages of a smaller number of portfolios. The resale of these portions and the accounting for this activity would require...