User talk:Michael steves

September 2023
This is your only warning; if you insert a spam link to Wikipedia again, as you did at Loan-to-value ratio, you may be blocked from editing without further notice. Persistent spammers may have their websites blacklisted, preventing anyone from linking to them from all Wikimedia sites as well as potentially being penalized by search engines. Sam Kuru (talk) 11:00, 11 September 2023 (UTC)