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Don't check for loan permission is there is no cost.
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@@ -176,6 +176,7 @@ public class User extends UserData implements Comparable<User>, IReplyTo, IUser
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public boolean canAfford(final double cost, final boolean permcheck)
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{
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if (cost <= 0) { return true; }
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final double mon = getMoney();
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if (!permcheck || isAuthorized("essentials.eco.loan"))
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{
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