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(NYT) — Brian Franklin grew up poor in Long Island City, Queens, in the Queensbridge Houses, New York’s largest public-housing complex, but he had enough success as a hair stylist that he was able to cross the river and cut hair in Manhattan.

But too much partying led to financial problems, and he lost his business and savings. It has been 15 years since Mr. Franklin, 42, has had a bank account.

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