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A realtor's sign is seen on the lawn of a foreclosed home in Egg Harbor Township, N.J., on March 15. The Bear Stearns collapse tied together so much of what's wrong with today's economy - the housing crash, the credit crunch and a loss of confidence among investors and consumers alike. Nearly 9 million households now have upside-down mortgages, and for the first time ever, aggregate mortgage debt is bigger than the total value of homeowner equity _ bigger by $836 billion, according to research by Merrill Lynch.
Mel Evans /

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