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@dst2
On inflation; won't very employable people have earnings that are likely to keep up with inflation? Those with large mortgages will inflate their way out of the debt. They will likely already be high earners.
Where do I know that has a concentration of those people? I'm sure there's somewhere. Gee wizz, I hope that place doesn't have a disfunctional housing market that could do without a subset of people already at the top of it getting even more cash to pump in.