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I am glad for you that you did not get ripped off.
If you are paid weekly you are doing very well.
My house was $35 K but then I refinanced to $95 K to settle up with the IRS.
Never had a credit card.
I struck out young into the workforce and did pretty well for a while until the rules caught up with me.
It would be valid for you to ask why I am a liberal when it was the government that took me down.
Such is life.