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I find it presumptious (sp?) of the Fed to assume we don't call that becuse the penalty was too harsh. Last ime I checked we are paid for our judgement, I think you can call it what you want, it has to be pretty severe and blatant to make the call. I can think of maybe one or two times in years, that I even thought, wow that is close to needing to be called. I just don't see this much, and I flat out don't think it is a problem.
I think the severe nature of the penalty helped prevent it, now it may get worse.
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