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Any securities or other assets for which recent market quotations are not readily available are valued at fair value as determined in good faith by the Board of Directors. The Geography of Subprime Mortgage Prepayment Penalty Patterns View this document PDF Borrowers who live in rural areas or in high-minority areas are more likely than others to get a subprime mortgage with a prepayment penalty. DuGan agreed that the government will be looking to raises revenue, and suggested it could come through a change in capital gains tax treatment, particularly if a Democrat comes into the White House. 
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