Either the original or your version is fine. " As it happens, this is an area I write about quite frequently. We DO use the personal YOU when writing to our borrowers.
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FRANKLY SPEAKINGLoans to be repaid over a period of one to four years are short -term loans.Hi Frankly,
I think we could have said : Loans which are repaid over ... .right ?
could you explain the usage of the infinitive in the sentence above ?
Thanks in advance