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>> numerous people that i witnessed, here in this neighborhood, had lost their cash, along with the house, so its bad enough to lose a house and then get that on top of it. its like icing on the cake. >> reporter: and for homeowners who still have their home, while they are under water but can make payments, not a problem, the big question is what do you do next. martha: that is a big question. what is a homeowner to do? >> you know, were hearing a number of things. first of all, again, you have...