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Should I pay off my student loan before applying for a mortgage? Piracy ain’t what it used to be. Out in the Indian Ocean, armed Somali pirate gangs roam an area the size of North America, boarding trade vessels and demanding huge ransoms for the return of precious cargo and terrified crew. Western navies are already incapable of policing such huge areas and find themselves more thinly spread than ever as defence cuts bite. 16m to retrieve one of its vessels. 263m was paid in ransoms between 2009 and 2010.