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Have you got any qualifications? get writing paragraphs and essays Gulliver said the biggest restructuring changes had occurred and the pace of deals is likely to slow, although he expects to sell more U.S. loans to accelerate the run-off of its consumer loan book there. It sold two portfolios of U.S. loans for $3.2 billion in March, leaving it with a $36 billion loan book at the end of June, down $10 billion from a year ago.