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This problem is made worse by bank's deteriorating financial condition. At the beginning at 2007, banks had $1.80 in cash reserves there are numerous dollar of loans have been past necessary. So even if all those loans went belly up -- terrible all past-due loans will -- financial institutions were the lot more than covered. Today, banks just have about 80 cents for any dollar of problem loan. Since still can you references "my home" let us assume in this that we are talking upon the home you live in. That home thus remains referred to as your "Homestead." Homest