WEBVTT

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It takes a little bit of time

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to wrap your mind around it,

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but what I keep telling people,

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and to quote Fred here,

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it's actually much simpler

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the further you zoom out

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and understand that all you're really doing

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is unlocking the economic benefit

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that's already built into that loan,

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and instead of taking it from

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an institution standpoint,

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you're sharing it back with

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the rightful owner,

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which is the borrower.