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achtung
Nitroglycerin


Joined: 03 Jun 2010
Posts: 716
Location: Germany

Re: Banks Stop Foreclosures
PostPosted: Sun Oct 17, 2010 9:12 pm Reply with quoteBack to top

jwerner wrote:
achtung wrote:
jwerner wrote:
The subject here is relating to FORECLOSURE.

There is a process for that in every state.

People are incorrectly arguing through this thread that the banks already own the house OR even that the bank owns the house as soon as the default happens by the borrower (never mind the default by the bank of course, but we'll put that aside for now).

A foreclosure is a specific legal action for a creditor to get a property to auction, to get cash, cash they claim is owed to them that the deadbeat, loser, punk, blob of tissue debtor failed to pay.

If the creditor wanted possession of it, they could merely file for "order of possession," then evict the person, then file a separate lawsuit for damages.

Hence, the contract must be reviewed. What does the contract say? What is attached to a the note other than the mortgage? Are there disclosures the creditor failed to provide? Are there federal and state laws the creditor violated? Is the creditor concealing or manipulating documents for the foreclosure? What else are they concealing?

Thanks,
Jason



I will tell you what the bank did not conceal....

That person they are foreclosing on did not make their payments.


hahahahahahahahaha

Obviously ach complains.

The dog that got hit is the one that barks.

ach has no problem treating the courts like filthy rags.

Thanks so much,
Jason


Nice coherent post. Keep up the good work.

_________________
“Debt and deficits are not inventions of ideology. They are facts of arithmetic.”

– Paul Martin
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jwerner
C-4


Joined: 20 Jul 2008
Posts: 1140
Location: Cleveland, OH

Re: Banks Stop Foreclosures
PostPosted: Sun Oct 17, 2010 10:05 pm Reply with quoteBack to top

achtung wrote:
jwerner wrote:
achtung wrote:
jwerner wrote:
The subject here is relating to FORECLOSURE.

There is a process for that in every state.

People are incorrectly arguing through this thread that the banks already own the house OR even that the bank owns the house as soon as the default happens by the borrower (never mind the default by the bank of course, but we'll put that aside for now).

A foreclosure is a specific legal action for a creditor to get a property to auction, to get cash, cash they claim is owed to them that the deadbeat, loser, punk, blob of tissue debtor failed to pay.

If the creditor wanted possession of it, they could merely file for "order of possession," then evict the person, then file a separate lawsuit for damages.

Hence, the contract must be reviewed. What does the contract say? What is attached to a the note other than the mortgage? Are there disclosures the creditor failed to provide? Are there federal and state laws the creditor violated? Is the creditor concealing or manipulating documents for the foreclosure? What else are they concealing?

Thanks,
Jason



I will tell you what the bank did not conceal....

That person they are foreclosing on did not make their payments.


hahahahahahahahaha

Obviously ach complains.

The dog that got hit is the one that barks.

ach has no problem treating the courts like filthy rags.

Thanks so much,
Jason


Nice coherent post. Keep up the good work.


There are actually other ways than missing payments that a borrower can default. Yet ach is reaching for the one point that has created such a stigma in the media and is so hot with judges whom buy the notion that everybody (except for the people that pay them of course) just decided to stop paying bills because they are a bunch of deadbeats. ach will win all kinds of judgments with that argument, but there is no justice. ach can convince judges all throughout America with that argument that thug banks are deserving of summary judgment based on the banks' false affidavits, while judges do not consider the facts. But where does that leave America? Who are we? Why do we allow perjury and tampering with records? What is the point of court? What is the point of authority? Who cares about justice? What is the point of due process, jury trial, judges, fair elections, campaigns, money, et cetera?

Thanks,
Jason

_________________
Woe unto them that decree unrighteous decres, and that write grievousness which they have prescribed;
Isaiah 10:1
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achtung
Nitroglycerin


Joined: 03 Jun 2010
Posts: 716
Location: Germany

Re: Banks Stop Foreclosures
PostPosted: Sun Oct 17, 2010 10:23 pm Reply with quoteBack to top

jwerner wrote:
achtung wrote:
jwerner wrote:
achtung wrote:
jwerner wrote:
The subject here is relating to FORECLOSURE.

There is a process for that in every state.

People are incorrectly arguing through this thread that the banks already own the house OR even that the bank owns the house as soon as the default happens by the borrower (never mind the default by the bank of course, but we'll put that aside for now).

A foreclosure is a specific legal action for a creditor to get a property to auction, to get cash, cash they claim is owed to them that the deadbeat, loser, punk, blob of tissue debtor failed to pay.

If the creditor wanted possession of it, they could merely file for "order of possession," then evict the person, then file a separate lawsuit for damages.

Hence, the contract must be reviewed. What does the contract say? What is attached to a the note other than the mortgage? Are there disclosures the creditor failed to provide? Are there federal and state laws the creditor violated? Is the creditor concealing or manipulating documents for the foreclosure? What else are they concealing?

Thanks,
Jason



I will tell you what the bank did not conceal....

That person they are foreclosing on did not make their payments.


hahahahahahahahaha

Obviously ach complains.

The dog that got hit is the one that barks.

ach has no problem treating the courts like filthy rags.

Thanks so much,
Jason


Nice coherent post. Keep up the good work.


There are actually other ways than missing payments that a borrower can default. Yet ach is reaching for the one point that has created such a stigma in the media and is so hot with judges whom buy the notion that everybody (except for the people that pay them of course) just decided to stop paying bills because they are a bunch of deadbeats. ach will win all kinds of judgments with that argument, but there is no justice. ach can convince judges all throughout America with that argument that thug banks are deserving of summary judgment based on the banks' false affidavits, while judges do not consider the facts. But where does that leave America? Who are we? Why do we allow perjury and tampering with records? What is the point of court? What is the point of authority? Who cares about justice? What is the point of due process, jury trial, judges, fair elections, campaigns, money, et cetera?

Thanks,
Jason



Statistically more than 99 % of foreclosures are due to non payment. To not concentrate on that aspect of foreclosure would do a great disservice to the topic at hand.

You do bring a valid point that less than 1% of foreclosures are due to reasons other than Non-payment, such as fraud, or occupancy issues.
So yes, where o' where does that leave the entire country, due to the massive less than 1% of all foreclosures that are not due to non payment.

_________________
“Debt and deficits are not inventions of ideology. They are facts of arithmetic.”

– Paul Martin
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jwerner
C-4


Joined: 20 Jul 2008
Posts: 1140
Location: Cleveland, OH

Re: Banks Stop Foreclosures
PostPosted: Sun Oct 17, 2010 11:30 pm Reply with quoteBack to top

achtung wrote:
jwerner wrote:
achtung wrote:
jwerner wrote:
achtung wrote:
jwerner wrote:
The subject here is relating to FORECLOSURE.

There is a process for that in every state.

People are incorrectly arguing through this thread that the banks already own the house OR even that the bank owns the house as soon as the default happens by the borrower (never mind the default by the bank of course, but we'll put that aside for now).

A foreclosure is a specific legal action for a creditor to get a property to auction, to get cash, cash they claim is owed to them that the deadbeat, loser, punk, blob of tissue debtor failed to pay.

If the creditor wanted possession of it, they could merely file for "order of possession," then evict the person, then file a separate lawsuit for damages.

Hence, the contract must be reviewed. What does the contract say? What is attached to a the note other than the mortgage? Are there disclosures the creditor failed to provide? Are there federal and state laws the creditor violated? Is the creditor concealing or manipulating documents for the foreclosure? What else are they concealing?

Thanks,
Jason



I will tell you what the bank did not conceal....

That person they are foreclosing on did not make their payments.


hahahahahahahahaha

Obviously ach complains.

The dog that got hit is the one that barks.

ach has no problem treating the courts like filthy rags.

Thanks so much,
Jason


Nice coherent post. Keep up the good work.


There are actually other ways than missing payments that a borrower can default. Yet ach is reaching for the one point that has created such a stigma in the media and is so hot with judges whom buy the notion that everybody (except for the people that pay them of course) just decided to stop paying bills because they are a bunch of deadbeats. ach will win all kinds of judgments with that argument, but there is no justice. ach can convince judges all throughout America with that argument that thug banks are deserving of summary judgment based on the banks' false affidavits, while judges do not consider the facts. But where does that leave America? Who are we? Why do we allow perjury and tampering with records? What is the point of court? What is the point of authority? Who cares about justice? What is the point of due process, jury trial, judges, fair elections, campaigns, money, et cetera?

Thanks,
Jason



Statistically more than 99 % of foreclosures are due to non payment. To not concentrate on that aspect of foreclosure would do a great disservice to the topic at hand.

You do bring a valid point that less than 1% of foreclosures are due to reasons other than Non-payment, such as fraud, or occupancy issues.
So yes, where o' where does that leave the entire country, due to the massive less than 1% of all foreclosures that are not due to non payment.


Statistically, more than 25% of owner/building loans were in default in 2008 for allegedly not finishing construction on-time. I was accused of not completing construction on-time by a certain entity, which entity committed many crimes in court by lying (I am still yelling at investigators about it today). By the way, how is construction going to be completing when the bank does not release funds per the contract.

Many foreclosures were filed becaue of a mere balloon too.

Many, many foreclosures were filed because the borrower hit 115% of the LTV on their neg-am loan.

Many foreclosures were filed because of taxes or insurance allegedly not being paid, which happens to be the case in EVERY SINGLE reverse mortgage. How on earth could somebody default on a reverse mortgage when there are no payments to be made by the borrower????

ach is providing false data the same way the banks provide false data to ignorant judges.

Thanks,
Jason

_________________
Woe unto them that decree unrighteous decres, and that write grievousness which they have prescribed;
Isaiah 10:1
View user's profileSend private message
achtung
Nitroglycerin


Joined: 03 Jun 2010
Posts: 716
Location: Germany

Re: Banks Stop Foreclosures
PostPosted: Mon Oct 18, 2010 12:29 am Reply with quoteBack to top

jwerner wrote:
achtung wrote:
jwerner wrote:
achtung wrote:
jwerner wrote:
achtung wrote:
jwerner wrote:
The subject here is relating to FORECLOSURE.

There is a process for that in every state.

People are incorrectly arguing through this thread that the banks already own the house OR even that the bank owns the house as soon as the default happens by the borrower (never mind the default by the bank of course, but we'll put that aside for now).

A foreclosure is a specific legal action for a creditor to get a property to auction, to get cash, cash they claim is owed to them that the deadbeat, loser, punk, blob of tissue debtor failed to pay.

If the creditor wanted possession of it, they could merely file for "order of possession," then evict the person, then file a separate lawsuit for damages.

Hence, the contract must be reviewed. What does the contract say? What is attached to a the note other than the mortgage? Are there disclosures the creditor failed to provide? Are there federal and state laws the creditor violated? Is the creditor concealing or manipulating documents for the foreclosure? What else are they concealing?

Thanks,
Jason



I will tell you what the bank did not conceal....

That person they are foreclosing on did not make their payments.


hahahahahahahahaha

Obviously ach complains.

The dog that got hit is the one that barks.

ach has no problem treating the courts like filthy rags.

Thanks so much,
Jason


Nice coherent post. Keep up the good work.


There are actually other ways than missing payments that a borrower can default. Yet ach is reaching for the one point that has created such a stigma in the media and is so hot with judges whom buy the notion that everybody (except for the people that pay them of course) just decided to stop paying bills because they are a bunch of deadbeats. ach will win all kinds of judgments with that argument, but there is no justice. ach can convince judges all throughout America with that argument that thug banks are deserving of summary judgment based on the banks' false affidavits, while judges do not consider the facts. But where does that leave America? Who are we? Why do we allow perjury and tampering with records? What is the point of court? What is the point of authority? Who cares about justice? What is the point of due process, jury trial, judges, fair elections, campaigns, money, et cetera?

Thanks,
Jason



Statistically more than 99 % of foreclosures are due to non payment. To not concentrate on that aspect of foreclosure would do a great disservice to the topic at hand.

You do bring a valid point that less than 1% of foreclosures are due to reasons other than Non-payment, such as fraud, or occupancy issues.
So yes, where o' where does that leave the entire country, due to the massive less than 1% of all foreclosures that are not due to non payment.


Statistically, more than 25% of owner/building loans were in default in 2008 for allegedly not finishing construction on-time. I was accused of not completing construction on-time by a certain entity, which entity committed many crimes in court by lying (I am still yelling at investigators about it today). By the way, how is construction going to be completing when the bank does not release funds per the contract.

Many foreclosures were filed becaue of a mere balloon too.

Many, many foreclosures were filed because the borrower hit 115% of the LTV on their neg-am loan.

Many foreclosures were filed because of taxes or insurance allegedly not being paid, which happens to be the case in EVERY SINGLE reverse mortgage. How on earth could somebody default on a reverse mortgage when there are no payments to be made by the borrower????

ach is providing false data the same way the banks provide false data to ignorant judges.

Thanks,
Jason


the 25% of construction loans were foreclosed because the contractor stopped making the legally bound payments they were supposed to have made.

_________________
“Debt and deficits are not inventions of ideology. They are facts of arithmetic.”

– Paul Martin

Last edited by achtung on Mon Oct 18, 2010 3:47 am; edited 1 time in total
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Michael Phelps
Flash in the pan


Joined: 13 Aug 2008
Posts: 64

Re: Banks Stop Foreclosures
PostPosted: Mon Oct 18, 2010 1:05 am Reply with quoteBack to top

Quote:
Many foreclosures were filed becaue of a mere balloon too.


Uh, that would be missing a payment.

Quote:
Many foreclosures were filed because of taxes or insurance allegedly not being paid, which happens to be the case in EVERY SINGLE reverse mortgage. How on earth could somebody default on a reverse mortgage when there are no payments to be made by the borrower???


Uh, that would be missing a payment too, although not perhaps to the lender.

Jason, no matter how you paint it making your payments on time and adhering to the terms of your note keeps you out of foreclosure 99% of the time.


Last edited by Michael Phelps on Mon Oct 18, 2010 1:39 am; edited 1 time in total
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maudejo
Schumpeter Reincarnate


Joined: 11 Dec 2007
Posts: 4790

Re: Banks Stop Foreclosures
PostPosted: Mon Oct 18, 2010 2:25 am Reply with quoteBack to top

What an entertaining thread.

It's the derivatives!

Kitty-the guberment does not own the banks but vice ...I would think you would of watched The Obama Deception by now.

"That is the notion of trust........" It's affected everything else, the lack of trust, why would it not affect contract law in masse? The guilt is spread pretty generously from top to bottom.

Has anyone put in the order for the 900 trillion Jesus Christ billboards we are gonna need to get us out of this one?

_________________
"For every thousand hacking at the leaves of evil , there is one striking at the root" - Henry David Thoreau

In the end, though, I believe that the freedom/liberty people and message and the natural physics of the events at work, will assist the centralized power structures of the last two centuries to crumble to ash under their own despotic mass.
JW
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jwerner
C-4


Joined: 20 Jul 2008
Posts: 1140
Location: Cleveland, OH

Re: Banks Stop Foreclosures
PostPosted: Mon Oct 18, 2010 7:03 am Reply with quoteBack to top

Michael Phelps wrote:
Quote:
Many foreclosures were filed becaue of a mere balloon too.


Uh, that would be missing a payment.

Quote:
Many foreclosures were filed because of taxes or insurance allegedly not being paid, which happens to be the case in EVERY SINGLE reverse mortgage. How on earth could somebody default on a reverse mortgage when there are no payments to be made by the borrower???


Uh, that would be missing a payment too, although not perhaps to the lender.

Jason, no matter how you paint it making your payments on time and adhering to the terms of your note keeps you out of foreclosure 99% of the time.


There are not too many people who can afford to pay the balloon.

For those whom do not know what a balloon is ...

... all the loan is due at once ...

I saw many of those on HELOCs for example, whereby the whole thing was due in five years, which means the borrower should have refinanced in that time, but failed to do so.

People that are arguing for the banks and supporting their perjury have absolutely no respect or regard for the people's choices to make rules and laws that are to govern the way we the people do business; those laws are really not asking too much.

Thanks,
Jason

_________________
Woe unto them that decree unrighteous decres, and that write grievousness which they have prescribed;
Isaiah 10:1
View user's profileSend private message
jwerner
C-4


Joined: 20 Jul 2008
Posts: 1140
Location: Cleveland, OH

Re: Banks Stop Foreclosures
PostPosted: Mon Oct 18, 2010 7:07 am Reply with quoteBack to top

achtung wrote:
jwerner wrote:
achtung wrote:
jwerner wrote:
achtung wrote:
jwerner wrote:
achtung wrote:
jwerner wrote:
The subject here is relating to FORECLOSURE.

There is a process for that in every state.

People are incorrectly arguing through this thread that the banks already own the house OR even that the bank owns the house as soon as the default happens by the borrower (never mind the default by the bank of course, but we'll put that aside for now).

A foreclosure is a specific legal action for a creditor to get a property to auction, to get cash, cash they claim is owed to them that the deadbeat, loser, punk, blob of tissue debtor failed to pay.

If the creditor wanted possession of it, they could merely file for "order of possession," then evict the person, then file a separate lawsuit for damages.

Hence, the contract must be reviewed. What does the contract say? What is attached to a the note other than the mortgage? Are there disclosures the creditor failed to provide? Are there federal and state laws the creditor violated? Is the creditor concealing or manipulating documents for the foreclosure? What else are they concealing?

Thanks,
Jason



I will tell you what the bank did not conceal....

That person they are foreclosing on did not make their payments.


hahahahahahahahaha

Obviously ach complains.

The dog that got hit is the one that barks.

ach has no problem treating the courts like filthy rags.

Thanks so much,
Jason


Nice coherent post. Keep up the good work.


There are actually other ways than missing payments that a borrower can default. Yet ach is reaching for the one point that has created such a stigma in the media and is so hot with judges whom buy the notion that everybody (except for the people that pay them of course) just decided to stop paying bills because they are a bunch of deadbeats. ach will win all kinds of judgments with that argument, but there is no justice. ach can convince judges all throughout America with that argument that thug banks are deserving of summary judgment based on the banks' false affidavits, while judges do not consider the facts. But where does that leave America? Who are we? Why do we allow perjury and tampering with records? What is the point of court? What is the point of authority? Who cares about justice? What is the point of due process, jury trial, judges, fair elections, campaigns, money, et cetera?

Thanks,
Jason



Statistically more than 99 % of foreclosures are due to non payment. To not concentrate on that aspect of foreclosure would do a great disservice to the topic at hand.

You do bring a valid point that less than 1% of foreclosures are due to reasons other than Non-payment, such as fraud, or occupancy issues.
So yes, where o' where does that leave the entire country, due to the massive less than 1% of all foreclosures that are not due to non payment.


Statistically, more than 25% of owner/building loans were in default in 2008 for allegedly not finishing construction on-time. I was accused of not completing construction on-time by a certain entity, which entity committed many crimes in court by lying (I am still yelling at investigators about it today). By the way, how is construction going to be completing when the bank does not release funds per the contract.

Many foreclosures were filed becaue of a mere balloon too.

Many, many foreclosures were filed because the borrower hit 115% of the LTV on their neg-am loan.

Many foreclosures were filed because of taxes or insurance allegedly not being paid, which happens to be the case in EVERY SINGLE reverse mortgage. How on earth could somebody default on a reverse mortgage when there are no payments to be made by the borrower????

ach is providing false data the same way the banks provide false data to ignorant judges.

Thanks,
Jason


the 25% of construction loans were foreclosed because the contractor stopped making the legally bound payments they were supposed to have made.


Even in this guy's case, where thug FIFTH THIRD BANK broke federal and state laws:
http://www.youtube.com/watch?v=El2DK8F0Jn0

Regardless even of the facts to prove ach is a liar, ach still has no concern for the law. There is no defense to the banks defaulting on their contracts, whereby there actually is a defense even when a borrower does miss payments, for example, per those banking laws.

Thanks,
Jason

_________________
Woe unto them that decree unrighteous decres, and that write grievousness which they have prescribed;
Isaiah 10:1
View user's profileSend private message
achtung
Nitroglycerin


Joined: 03 Jun 2010
Posts: 716
Location: Germany

Re: Banks Stop Foreclosures
PostPosted: Mon Oct 18, 2010 1:30 pm Reply with quoteBack to top

jwerner wrote:
achtung wrote:
jwerner wrote:
achtung wrote:
jwerner wrote:
achtung wrote:
jwerner wrote:
achtung wrote:
jwerner wrote:
The subject here is relating to FORECLOSURE.

There is a process for that in every state.

People are incorrectly arguing through this thread that the banks already own the house OR even that the bank owns the house as soon as the default happens by the borrower (never mind the default by the bank of course, but we'll put that aside for now).

A foreclosure is a specific legal action for a creditor to get a property to auction, to get cash, cash they claim is owed to them that the deadbeat, loser, punk, blob of tissue debtor failed to pay.

If the creditor wanted possession of it, they could merely file for "order of possession," then evict the person, then file a separate lawsuit for damages.

Hence, the contract must be reviewed. What does the contract say? What is attached to a the note other than the mortgage? Are there disclosures the creditor failed to provide? Are there federal and state laws the creditor violated? Is the creditor concealing or manipulating documents for the foreclosure? What else are they concealing?

Thanks,
Jason



I will tell you what the bank did not conceal....

That person they are foreclosing on did not make their payments.


hahahahahahahahaha

Obviously ach complains.

The dog that got hit is the one that barks.

ach has no problem treating the courts like filthy rags.

Thanks so much,
Jason


Nice coherent post. Keep up the good work.


There are actually other ways than missing payments that a borrower can default. Yet ach is reaching for the one point that has created such a stigma in the media and is so hot with judges whom buy the notion that everybody (except for the people that pay them of course) just decided to stop paying bills because they are a bunch of deadbeats. ach will win all kinds of judgments with that argument, but there is no justice. ach can convince judges all throughout America with that argument that thug banks are deserving of summary judgment based on the banks' false affidavits, while judges do not consider the facts. But where does that leave America? Who are we? Why do we allow perjury and tampering with records? What is the point of court? What is the point of authority? Who cares about justice? What is the point of due process, jury trial, judges, fair elections, campaigns, money, et cetera?

Thanks,
Jason



Statistically more than 99 % of foreclosures are due to non payment. To not concentrate on that aspect of foreclosure would do a great disservice to the topic at hand.

You do bring a valid point that less than 1% of foreclosures are due to reasons other than Non-payment, such as fraud, or occupancy issues.
So yes, where o' where does that leave the entire country, due to the massive less than 1% of all foreclosures that are not due to non payment.


Statistically, more than 25% of owner/building loans were in default in 2008 for allegedly not finishing construction on-time. I was accused of not completing construction on-time by a certain entity, which entity committed many crimes in court by lying (I am still yelling at investigators about it today). By the way, how is construction going to be completing when the bank does not release funds per the contract.

Many foreclosures were filed becaue of a mere balloon too.

Many, many foreclosures were filed because the borrower hit 115% of the LTV on their neg-am loan.

Many foreclosures were filed because of taxes or insurance allegedly not being paid, which happens to be the case in EVERY SINGLE reverse mortgage. How on earth could somebody default on a reverse mortgage when there are no payments to be made by the borrower????

ach is providing false data the same way the banks provide false data to ignorant judges.

Thanks,
Jason


the 25% of construction loans were foreclosed because the contractor stopped making the legally bound payments they were supposed to have made.


Even in this guy's case, where thug FIFTH THIRD BANK broke federal and state laws:
http://www.youtube.com/watch?v=El2DK8F0Jn0

Regardless even of the facts to prove ach is a liar, ach still has no concern for the law. There is no defense to the banks defaulting on their contracts, whereby there actually is a defense even when a borrower does miss payments, for example, per those banking laws.

Thanks,
Jason


Jason, lets be clear here. Foreclosures are going to happen. Calling me a liar for saying so, shows the quality of character you have.

If you are saying you there is a defense for your foreclosure, great! Go defend it. Make the bank take your payments.
However, saying the bank defaulted on their contract (and has no defense) denies the common sense understanding that contracts are unilateral. Both sides have conditions they both need to live up to, to have a binding contract.

The bank agreed to lend on your collateral, and you agreed to pay them back. Sounds pretty straightforward to me.

_________________
“Debt and deficits are not inventions of ideology. They are facts of arithmetic.”

– Paul Martin
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