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You might be tempted to shade the truth a bit in order to secure approval for your loan or increase the amount for which you are approved, but financial fraud is a criminal offense, so better safe than sorry.
I sometimes think it should be more, but we have so many other savings accounts, and I just think that if we were truly in an emergency, we could go ahead and take from our vacation fund or one of the other funds.
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The Alternative approach would have lower procedural costs.
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