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it in the business usually you see it in the business you see it in the financial structure the capital structures are strained and it's not even on the
default structures the defaults are all as a result of these downgrades it's not as a result outside of the Residential Mortgage cycle which always happens
right I mean the difference in in the in the Residential Mortgage which which we weren't panicked about we knew foreclosures were up and home builders
Listen to native speakers pronounce “downgrades” as a noun in real conversational contexts with synchronized timestamps and subtitles.