Put simply
If you really want to have your own house, you have to challenge.
Challenge is
"You just do bank examination"
If you will challenge,
6 month later
12 month later
If you will think only
<you do nothing>,
6 month and 12 month later
Your situation dose not change.
So it is better to challenge, not to do so.
Challenge is
"You just do bank examination"
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