I fully agree with the OP...it’s gonna be flat.....I see no catalyst in the near term for another major run up. The good stuff will still be good and sell strong and or go down the least, the less them sub-optimal will be at more normal levels for a good while. The one think that I believe has changed since 08-15 is many more people think of these cards as investments now as apposed to 15 years ago.
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