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The myth is that if housing prices go up, Americans will be richer. What banks - and behind them, the Federal Reserve - really want is for new buyers to be able to borrow enough money to buy the houses from mortgage defaulters, and thus save the banks from suffering from more mortgage defaults.

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Mariska Hargitay

Chocolate is the first luxury. It has so many things wrapped up in it: Deliciusness in the moment, childhood memories, and that grin-inducing feeling of getting a reward for being good.