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References:
1. https://www.hud.gov/program_offices/housing/sfh/title/ti_abou
2. http://texastitleloan.net/why-choose-title-loans-in-texas/
3. http://markets.businessinsider.com/news/stocks/interactive-brokers-raising-rates-on-top-tier-margin-loans-to-slow-loan-growth-1012820884