But then most smart people will just go to the Reebok retail store to buy it, so these shoes are eventually sold for cheap at the roadside shops.

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Ms. LEONOR RAMIREZ (Loan Officer, Gold Financial Services): It's just been a big change for us, going from - leaving the subprime lending, now just focusing on FHA. So it's a totally new market for me to go.

NPR: Time for Renovation at the FHA?