The federal takeover of housing mortgage financing has not exactly been a bed of roses.

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But life is not a bed of roses, and the sooner couples deal with the financial challenges, the better their marriage will be.

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If you are looking for a bed of roses where the "prince and princess live happily ever after, " then you are living in a dream.

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However, the insurance business isn't a bed of roses.

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Yet all is not a bed of roses.

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