But perhaps more importantly - and at the risk of repeating myself - they make the risks of lending much more transparent to the actual providers of credit, which (just to remind you) would be you and me.

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"I just tried to have some fun with it, just remind Buffalo people that I appreciate everything they've done for me, " Miller said.

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"These numbers just remind me that I can't afford not to be vigilant, " says Feinberg.

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