The enemy on this particular battleground is anyone who maintains that there are men and there are women, and that the difference between them is fundamental. So the FSB are a ruthless bunch of murderous thugs and Vlad is still the top cat in their kleptocratic mafia. You might consider a split loan if you want the security of regular payments on part of your loan, but also want to take advantage of interest rate drops on the other part of your loan.
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