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Note from the poll creator: Special Delivery <a href=\" http://www.sharonlevy.com/artpages/write-check-for-students.html \">take my college class for me nn</a> The new rules, which apply only to retail banks, do not banlending to home buyers with less than a 20 percent deposit. Butbanks, which had as much as 60 percent of new mortgages in suchloans, have all but turned off the tap, and are charging ahigher rate of interest compared to those with big deposits.