edit. I don't think this worked, by this is a reply to "Van Burgen" post above
I can't make any sense from any of what you said. Can you expand on some of these points? Because honestly, they are the total opposite to what a lot of people in here would argue to be true. Even the interest you say they 'charge'. Not sure, but it seems one of us doesn't understand the meaning of 'interest'.
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