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Associated Press
FILE-In this Tuesday, Aug. 21, 2012, a home with a room for rent is seen in Palo Alto, Calif., Tuesday, Aug. 21, 2012.  Average U.S. rates on fixed mortgages have risen for a fourth straight week, Thursday, Aug. 23, 2012, remaining slightly above record lows. Cheap mortgages have helped fuel a modest housing recovery this year. (AP Photo/Paul Sakuma)

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