And those are my first world problems.

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Fortunately, Japan's Science and Technology Agency has beavered away at this most first-world of problems with its Universal Earphones Project.

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The South American country's preparations for its second World Cup -- and first in more than 60 years -- have been beset by problems.

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Now if you have the engine of the whole world slowing down and you have continued problems in Europe, and you have the first year of the Presidential cycle, which will likely to cool down the U.S., and you have this miserable fiscal cliff problem.

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We all know that younger adults, ages 25-34 and older adults, ages 45-64, are the most susceptible to losing insurance coverage, indicating that it's hard to obtain coverage when you first start out in the world of work and harder to maintain it as you age and experience health problems.

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