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AP didn’t bother to mention the massive thefts, shopliftings, break ins, and robberies had any impact on the closings.
This looks more like 2008 when there was a mortgage broker on every corner.
I’m pretty sure PBM’s are doing their magic, forcing out the independents and allowing the big guys to consolidate. With near monopolistic control in hand, they can then pick and choose where they want to do business.
This doesn’t look too different that what has caused food desserts.