Our Seattle engineering office already drives important parts of our ad system, and we plan to substantially invest in and build out our Seattle engineering and product teams.

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Again, the recent housing crisis is a perfect example that has been discussed ad nauseam: Lenders were encouraged by public policy grounded in social-engineering to make uneconomic loans, and borrowers, often with the prospects of lax penalties, did the rational thing: They took all the money they could get.

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