Is carelessness an American virtue? It happens so often with you guys. Environment. Finances, private debts, and mortgages... and now data sensibility. Now, political class is corrupt, environment is messed up, the privbate debts are ruining hundreds of thousnads of families and the credit market has just molten down.
Maybe now wanting to try some more care, for a change? At least it does not hurt - that's the worst that can happen. Why always waiting for the desaster to have happened before taking action, but then too late?
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If you feel nuts, consult an expert.
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