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Senh: I hope these bankers are right, and are not just touting these numbers for their own benefits. It's a chicken and egg problem. If bankers start to open up their pockets and give out loans recklessly, then it won't help us in the long run. The only exception is maybe they shouldn't penalty customers who foreclosed their underwater homes. If this is their only blemish, then the banks should just ovwrlook it. I think doing this slowly and cautiously is the way to go - like they're doing now. Slow and steady.