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And just in case anything thinks otherwise, I'm not in anyway trying to justify what happened. I'm only pointing out the practical aspects of trying to make it a criminal offense. Without knowing beforehand how the rating service would act, I just don't see how you can prove criminal intent to defraud.
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John
Ontario 32 - Aria
Free, is the heart, that lives not, in fear.
Full, is the spirit, that thinks not, of falling.
True, is the soul, that hesitates not, to give.
Alive, is the one, that believes, in love. JCP
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