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<http://www.thetimesnews.com/apps/pbcsi.dll/bilde?Site=NC&amp;Date=20130930&amp;Category=Opinion&amp;ArtNo=309309884&amp;Ref=AR>
<http://www.thetimesnews.com/20130930/culture-of-debt-comes-home-to-roost/309309884?page=1>