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pep combivir side effects Still, some are sounding cautionary notes. Developers are sometimes starting construction with just buyers' deposits, without lining up financing to ensure they can finish it off, said John Sumberg, managing partner of the law firm Bilzin Sumberg, who advises developers. "They figure, 'I'll get it when I need it,' " he said. But "at some point in the cycle, the lenders may say there's too much product and this isn't a good bet."