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Both suggest that the sub-prime market will see more pain and that at least parts of the prime market is in jeopardy as well. Although Reed Smith handles a good deal of conventional bilateral work for both borrowers and lenders, much of the more complex debt finance work is handled along with wider deals. And if you're under 59 1/2 years old, you may face another 10 percent penalty. Mortgage - A lien or claim against real property given by the buyer to the lender as security for money borrowed.

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