Magical Tome

The outer archives are busy
"Examines the path from basic banking services to creditmaking decisions to mortgage lending that can give low-income individuals and communities the opportunity to build assets through credit, highlighting the need for transparency in the subprime market, buyer education, and borrower safeguards"--Provided by publisher.
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Pacing
Horror / Dark Elements
Romance
Spice Level
LGBTQ+ Representation
Social & Political Themes in Stories