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Six of them would be used to mark the 3 hours of twilight on either side of the night and twelve then would be used to divide up the darkness into 12 equal parts.
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The Bureau solicits comment on whether the skipped payment metric is an appropriate condition for application of the presumption; if so, whether 30 days is an appropriate period of time for triggering this presumption of unaffordability and, if not, what time period should be used.
It had been essentially a trickle-down affect.
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