I don't think it's good to try and change anyone. The trick and the mystery - of relationships and life in general - is to learn to live with the bits you don't like.
I'm afraid sometimes certain individual cases of defaults are unavoidable. What we should do is to step up monitoring, properly handle relevant matters, and ensure there is no regional and systemic financial risk.
Now the thing about having a baby - and I can't be the first person to have noticed this - is that thereafter you have it.
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