Juan Regache: In October of 2001 Argentina was in crisis.  I had to close my business.   There were no customers.    I had fixed costs I could not avoid –wages, taxes, rent, utilities.

Howard Richards: October of 2001 was two months before the complete collapse of the economy on December 14, 2001, when bank accounts were frozen and nobody could access their savings or write checks.  What kind of business did you have ?

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