As a result of his analysis Daly says that we must have a steady state economy: the economy can only grow as fast as better technology allows us to add more value to or be more parsimonious with the use of those limited resources that we can use.

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"We wanted everybody to use the industry standard yellow, then we found out that there wasn't one, " says Daly.

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"They've seen us make progress and want to be part of our success, " says Daly, who likens his quest to that of Jonas Salk, who developed the polio vaccine.

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"The anxiety is just not knowing -- so being able to check the inbox and see what's going on, if anything, is what allows me to relax, " says Daly, 39, a self-employed technology consultant in Cincinnati, Ohio.

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The combination of still-high bank charges and shrinking loans suggests the problem lies with the supply of credit not demand for it, says Kevin Daly at Goldman Sachs.

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Real estate prices in the north Brooklyn neighborhood have been steadily rising, says Justin Daly, a Williamsburg-based realtor with MNS. His firm reports that Williamsburg rents in July were 23% higher than a year ago.

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"We never dreamt she would end up being killed by her care, " says her daughter, Maureen Daly.

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