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How do you spell that? http://vincentpallottischoolsalem.edu.in/stmap_37whvkrr.html?ophthacare.... atenolol fr katzen "The industry says it's more efficient and it uses technology to underwrite better. That's all a bunch of crap," said Mike Cagney, a credit market veteran and founder of SoFi, an Internet lending platform focused on student loans. "Peer-to-peer lending in its current form hasn't really gone through a full credit crisis."