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Gone are the days when shopping centers and malls were the most secure real estate investment and loan that banks and insurance companies had on their books. With thousands of stores closing across the country, retail properties are plunging in value. Online shopping hasn't helped either. Mall owners don't know what to do. This has led to many of them simply mailing in the keys to their lenders, otherwise known as jingle mail. With big changes happening in the workplace, office space doesn't look too secure either. Get ready for a tsunami of commercial real estate loan write-downs.