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  • In the wake of the housing debacle in California, more people are buying less expensive homes, making bigger down payments, and staying away from 'creative' and risky financing. It is amazing how fast people learn when they are not insulated from the consequences of their decisions.

    Thomas Sowell (2011). “Dismantling America and Other Controversial Essays (Large Print 16pt)”, p.30, ReadHowYouWant.com