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How does that look for the U.S.? I do not expect servicing costs to increase significantly: there are still plenty of buyers at treasury auctions and the Federal Reserve can always be forced to step in with Operation Twist or QE3.

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It's a traditional curriculum with a twist: a 12-step model program designed to prevent relapse.

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While I think the region-based visa would be a positive step by itself, there is an additional twist I would recommend adding to the policy: require the purchase of a home from the visa recipient.

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