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Sign recovery will soon reach consumers wallets in new york gerri willis, fox news. >> bret: there was some encouraging news on the housing front as home prices showed their smallest annual decline in almost three years in january. prices actually rose three tenths of a percentage point from december to january. the eighth straight monthly gain. however, there are still more than 11 million homes nationwide worth less than the amount of the outstanding loan. correspondent james rosen looks at the rising tide of underwater mortgages. >> this is actually the family room we used to hang out in. >...