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“is on both sides, that is first-time homebuyers and…” — Cato Audio at 51:41

“is on both sides, that is first-time homebuyers and sellers, you might expect sellers to absorb more than that $10,000 benefit. If not pretty much all of it, yeah. So let's start with the observation. And even though I myself have used the term lock-in, I don't love the phrase because you're not locked in, you're…”

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