Hardly more than a handful of individuals, really, despite the mountains of evidence collected by the feds, have got into any kind of serious trouble and, as far as I know, none have had to pay much of their bonuses back.

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However, I believe none have embraced the ride so close to their hearts like brave entrepreneurs and small business owners, agile startups, and the driven freelancers.

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Looking around the rooms, most of which have original paneling and are painted in neutral hues sympathetic to the era of the house, I see none of the signs of Emin's bad-girl days.

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"I've been taking religious courses for four years now and none have really made me want to get into religion, " he says.

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Over the past few years I have contacted almost every major lending institution about refinancing my loans and none of them are willing to loan to me unless there is some form of collateral.

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