Kids need to learn that sometimes their competitors in business and in life will cheat to get their way.

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The researchers also looked for areas with high concentrations of small business owners who were very unlikely to cheat on their taxes.

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Consider that many of the so called people who overreached were pushed to do so by mortgage sellers willing to lie, cheat and steal to get more business while bamboozling some of the poorest and least educated people.

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