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This may induce a downward spiral: the association lacks the cash to perform the work as a result of reserves haven’t been funded adequately over time; a special assessment to bridge the hole will add significantly to monthly assessment funds and so the house owners won’t approve the special evaluation to fund the job or to make the funds on a financial institution loan; the work is deferred; the price of the work goes up and turns into less inexpensive; deteriorating circumstances causes lack of market worth; house owners understand a lack of funding and are even more reluctant to approve the injection of new …