avoid the usary by not making it a loan, but a 2400% commission! Or a processing fee! 
And since when is legality a factor in taking advantage of the unsuspecting junior guy in the unit? lol
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"Some men are alive simply because it is against the law to kill them." -- Ed Howe
"I thoroughly disapprove of duels. If a man should challenge me, I would take him kindly and forgivingly by the hand and lead him to a quiet place and kill him. "
--Mark Twain
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