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Just as American consumers were severely harmed by the sharp decline in property values in the early 1990s, Japanese consumers have been badly hurt by the sharp decline in property values, and many would suffer enormous capital losses on their own homes if they were now to be sold. Any agent who is tired of advertising in the local paper and not getting results should check into database marketing. Owning some investment instrument is really not the same thing at all as having money in the bank.

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