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  1. Short video with Sufi discussing his research. The book he wrote in 2014 with his colleague Atif Mian, House of Debt, has been influential in policy circles and reflects the kind of analysis which is responsible for macroprudential measures like the Mortgage Market Review and the PRA's work on buy-to-let credit underwriting (SS13/16). There are two key differences between US and UK mortgage lending. Firstly, US mortgage lending is non-recourse; you can drop the keys to the house with the lender and they cannot pursue you for the debt. The same trick won't work in the U
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