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Price range plays a part as does target audience.
Lots that cater to minorities with lousy credit probably are seeing an average markup of 60% plus usurious interest, etc.
Lots that cater to mid life crisis white guys probably see 40% markup.
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Well i had #6 adjusted perfectly but then just before i tightened it a butterfly in Zimbabwe farted and now i have to start all over again!
I believe we all make mistakes but I will not validate your poor choices and/or perversions and subsidize the results your actions.
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