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Most property decisions are made on a feeling. A good open home, a persuasive agent, the sense that if you don't move now you'll miss out. It is an understandable way to buy — and, we think, a backwards one. A home is the largest financial decision most people will ever make. It deserves the same discipline a fund manager would apply to any other significant allocation of capital. That discipline is what we call the Four Keys. Before we recommend any property to a client, we