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04-Jan-2015 01:33

As in the case of mortgages, it will be those who buy and hold the debt, along with the borrowers, who will suffer the consequences.Certainly, emerging nations took advantage of the depth of rich nation capital markets to increase their debt through public offerings.

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This crisis, like so many others, has its root in the free flow of credit from the preceding economic boom years. Rising valuations, especially where they were based on improving revenues from robust economic activity, led to rising income streams for governments.Online chat may refer to any kind of communication over the Internet that offers a real-time transmission of text messages from sender to receiver.Chat messages are generally short in order to enable other participants to respond quickly.Online chat in a less stringent definition may be primarily any direct text-based or video-based (webcams), one-on-one chat or one-to-many group chat (formally also known as synchronous conferencing), using tools such as instant messengers, Internet Relay Chat (IRC), talkers and possibly MUDs.

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The expression online chat comes from the word chat which means "informal conversation".

In 2014, Brown and Woolley released a web-based version of Talkomatic.