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But, look to the future. the bankruptcy thing is not going to pass but what will happen and what has passed is a program that the president has taken advantage of and made about a million homeowners available to those who have been paying their mortgages but are deeply underwater and unable to refinance because they are underwater. skit a very good program that allows them to reduce monthly payments and they can stay in place and the second thing he has done, the american jobs act, ultimate esti...