In the third quarter, banks probably originated as much as $450 billion of home loans, according to estimates by Inside Mortgage Finance, a publication that tracks the industry. That figure, which includes both refinances of existing mortgages and new loans to buy a house,
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Appropriate footwear and clothing is essential, even for day hikes, and if you plan to go into back country, you need to know basic emergency skills (see Resources section). Having the right gear for your sport or past-time is good, but having the right clothes and protection for your body is vital. A hat, sunscreen,
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