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A young energetic professionally qualified investment banker working with a large private sector bank, Mr. B, got the best home loan deal he could imagine. He had successfully negotiated a high value home loan at an attractive rate of 8.25%. Mr. B felt proud of his negotiating skills, after all he was an MBA from one of the IIM’s, had an engineering degree from country’s premier institution, and was a CFA charter holder. He had surely got the best home loan deal, better than anyone else.

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