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This system seems more suitable for the later 90s/early 2000s, not as a reliable, sturdy approach to internet business in this day in age.
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This would likely include an automated system to make the ability-to-repay determination; subtracting the component expense elements from income itself is quite straightforward and would not require substantial development costs.
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Even when not facing a crisis, research shows that consumers tend to underestimate their near-term expenditures, and, when estimating how much financial “slack” they will have in the future, discount even the expenditures they do expect to incur.