Hello @neoxian as you've been ?, excellent contract as always, I really do not get tired of reading your contracts, because I like them because you specify all the terms of the loan and that makes it safer and more reliable for both you and the beneficiary. It should not be easy for you as a bank to trust an anonymous client, but with the terms you write in your contract and making the passwords is safer for you. Well, with respect to your question I do not have an evil twin, in my case I am the twin.
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