Take a step in a different direction to see what happens as you experiment with new ideas.

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But then I had to take a step back and realize it was a different time, a different era and a different country.

CNN: Don't ask for all, ask what makes you happy

It will take different technologies in the future, but getting the recipe is the first big step.

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But it will take time for firms to sort the loans in their portfolios into different risk buckets as a first step towards modifying them en masse, says Bill Rinehart of Ocwen, a servicer in Florida.

ECONOMIST: Mortgage restructuring