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  1. While I agree with the content in 31 Days of Halloween: Jim & Ruth Keegan  | The Beat , I think the positive sentiment around at the moment is a result of a politically engineered set of circumstances. The demand for consumer loans is still weak and there is no significant improvement in the housing market. The developed countries are surviving on their governments ability to just borrow and spend into their countries which is difficult to maintain. Regards, Patti Hallum.