Non-performing international loans do not completely reflect potential losses because: ...

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	1.	foreign governments have never defaulted on their debts.
	2.	banks often loan borrowers funds to make payments on existing loans.
	3.	U.S. banks can easily recover the funds in foreign courts.
	4.	the U.S. government has strongly discouraged U.S. banks from making international loans.
	5.	all of the above

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