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The next review by the Executive Board will take place in late 2010. These cards are often easier to get. On the other hand, they can rapidly become liquid if used as collateral. We think the government will need to ensure some sources of financing by F3/2010, when the government's share of costs of the basic public pension is expected to start rising. You need to have a mortgage of about $130,000 or so to even pay enough interest to hurdle the standard deduction," says Bob Walters, chief economist for Quicken Loans.

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