Take my word, in aggregate the math and division yields that nearly 45% of all of these FHA insured loans are three payments or more behind.

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His next challenge: how to stoke growth in the Office product line--Word, Excel, Outlook, PowerPoint--when his division already has a market share so large (400 million users) that research firms Gartner and IDC don't bother to track it.

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And Microsoft used its Windows monopoly to help its applications division--the programmers who write software like Microsoft Word--by giving them preferred access to the complex Windows source code.

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