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( — A recent posting entitled “The American Family’s Financial Turmoil” provides disturbing visual evidence of the desperate financial circumstances that many Americans find themselves in. From living check to check, having huge amounts of debt, and even lacking access to a basic checking account, the statistics cited demonstrate how many people across the board are struggling simply to make ends meet. Although the current economic downturn has definitely exasperated the problem, this situation has been festering for years.

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