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When the creditors come calling, asking you to pay up. Then they advise that you take out a loan to pay the dept. So they answer the problem of dept with more dept?! It's no wonder the average person's dept is near their yearly income.
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"I don't know that I ever wanted greatness, on its own. It seems rather like wanting to be an engineer, rather than wanting to design something - or wanting to be a writer, rather than wanting to write. It should be a by-product, not a thing in itself. Otherwise, it's just an ego trip."
Roger Zelazny
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