One such program, called the Warrior Stress Reset Program, is "designed to help address those common and normal reactions to war experiences, " says a military Web site.

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Fort Hood is home to the Warrior Combat Stress Reset Program, which is designed to help soldiers overcome combat stress issues.

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At the other end of the spectrum, an acquaintance who has 50% equity in her modest home and a good credit record has applied under a government home affordability program to refinance her interest-only loan, due to reset in two years.

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