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Craft,


Obviously returns don't happen in a straight line, have you stress tested the model at various points over the 40 years with periods of -5, -10, -15 type returns, can you provide some insight into the results?


If you were talking to a 20 year old who was tossing up buying a PPOR vs renting for the next 40 years what would your answer be? (classic conundrum)


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